Collateral-Free Working Capital Financing FAQs

Why choose the Pac Lease collateral-free working capital financing scheme?
At the core of every growing business is ambition—the drive to scale, adapt, and seize new opportunities. We understand that sustaining momentum requires more than vision alone; it requires access to the right financial support at the right time. At Pac Lease, we believe that business growth should never be constrained by limited access to funding. That’s why we partner with Credit Guarantee Corporation Malaysia Berhad (CGC) to help you move forward with confidence.

Collateral-free working capital financing is designed to remove common financing barriers faced by MSMEs. By leveraging CGC’s risk-sharing guarantee, customer can simplify access to unsecured working capital while maintaining prudent credit standards. The process is structured, transparent, and focused on helping you manage cash flow, support expansion plans, and strengthen your operations—so you can stay focused on building a resilient and sustainable business.

What sectors or preferred segment does Collateral-free working capital finance?
Collateral-free working capital financing supports businesses across all sectors, with a focus on preferred segments such as healthcare, serial entrepreneurs, Bumiputra-owned entities, and businesses where women hold principal or majority ownership.
Is there a “negative list” of sector that can be financed?
No, we do not have a negative list on types of sector that can be financed.
What are the documents required for loan applications?
Following are among the typical documents required for
loan applications:

    Certified true copy (CTC) company statutory documents

  • Latest 6 months bank statements
  • Latest 2 years audited report
  • Other documents as and when required for evaluation
How quickly will I be able to get my loan approved?
For standard applications, your loan will be approved within 14 working days after we receive all the required documents.
What is the financing package?
  • Financing Amount: Up to RM1 million
  • Tenure: Up to 5 years
  • Interest rate: From 8% p.a.
What is the mandatory requirement for Collateral-free working capital financing ?
  • Compulsory OCBC CASA Account
    Must have an existing or a new CASA account with OCBC Bank for loan disbursement
  • Direct Debit for Repayment
    Compulsory to sign up for Direct Debit for loan repayment.
  • Keyman Insurance
    Compulsory to purchase Group PA for all directors/individual guarantors for loan amount throughout loan tenure (cash purchase).
  • CGC Guarantee Fee
    1.5% p.a of loan amount to be paid by the customer
How can I apply?
    • Existing customers may contact their Relationship Manager directly.
    • New customers need only to fill up the form below or visit us at branch
    • You may also reach us through WhatsApp at 018-311 0250.