Use Your Assets To Get RM5 Million Cash Flow

    Transparent. Easy. Fast.

    KOWAJA has offered many loan and financing plans along with ongoing advisory and support services to members.

    For financing inquiries,

    Secured Financing Can Help You To Get A High Amount Of Financing

    Car Repair
    House Repair/ Renovation
    Investment/ Business

    Secured Financing Can Help Your Business Get Cash Flow Fast

    Open New Branch
    Expand New Markets
    Unexpected Expenses

    The Higher Your Asset Value, The More Cash Flow For You!

    Financing Amount:
    Financing Period:
    12 months-120 months
    Fixed Rates as low as
    10% per year
    Easy Approval
    Fast Approval
    Blacklist Can Apply


    1) Malaysian Citizen

    • Government employees/ government-related/ private companies
    • Age 18 – 60 years
    • Minimum income of RM1,500 per month (government) & RM4,000 per month (private)

    2) PKS/ SME

    • Enterprise Company (Sole Proprietorship & Partnership) / Private Limited Company (Sdn Bhd)
    • Has been operating for 3 years and above

    Asset Type

    • Real Estate (House, Shop, Land, Building, Factory, Warehouse)
    • Car
    • Machinery & Equipment
    1. What do I get from this financing?
    Financing Amount: Minimum RM15,000. Maximum RM5,000,000.
    Financing Period: 12months (1year) – 120months (10years)
    Annual Profit Rate: As low as 10% per year

    * Subject to terms & conditions

    2. What other charges do I have to pay?
    Processing Fees : RM100 one time charge only
    Stamp duty : 0.5% of the total funding
    Legal Costs : To be borne by the applicant / co-financed