MD Capital Bhd, a KPKT-licensed community lender regulated under Akta 400, today announced the formal launch of its Personal Loan — a fast-approval financing product designed specifically for Malaysians earning above RM4,500 gross per month.
The product addresses a growing gap in the Malaysian financial market: working Malaysians who have the income to Malaysians earning above RM4,500 gross service a loan but are routinely left waiting 5 to 14 working days for bank approval. MD Capital’s target is disbursement within 48 hours of a signed Borang Jadual J.
SIMPLE TRANSPARENT RATE
The Personal Loan is offered on a single, clearly structured fixed flat rate — no hidden options, no complicated calculations:
For a RM50,000 loan over 36 months, the monthly instalment is RM2,139 with a total repayable of RM77,000. The processing fee is deducted once the loan is disbursed, with a maximum Debt Service Ratio of 70% applied.
WHO THE PRODUCT SERVES
The loan is open to salaried employees, commission-based earners, and self-employed individuals earning RM4,500 gross or above. Unlike bank products that rely solely on basic salary, MD Capital assesses total income — including bonuses, commissions, rental income, and director fees — to determine borrowing capacity.
Property buyers needing fast bridging capital for a 10%
down payment, where standard bank timelines are too
slow for the transaction
ESOS / share scheme participants requiring
immediate capital to exercise employee share options
before resale windows close.
Travel and lifestyle planning, where earners prefer
structured monthly repayment over depleting liquid
savings
Business investment and working capital for sole
traders and SME shareholders who cannot wait on
commercial loan processing
Education financing — flexible loans for tuition fees,
books, and living expenses to help you pursue
your academic goals.
REGULATORY COMPLIANCE &
DOCUMENTATION
All loan agreements are executed under Borang Jadual J, the prescribed form under Malaysia’s Moneylenders Act 1951 (Akta 400), and are attested by a Commissioner for Oaths. MD Capital Bhd holds a valid licence issued by the Ministry of Housing and Local Government (KPKT) and operates with full regulatory transparency — no hidden charges, no undisclosed fees.
PUBLISHED BY MD CAPITAL BHD · COMMUNICATIONS
14 April 2026 · Kuala Lumpur, Malaysia
Disclaimer: This article is published for informational purposes. All lending is subject to credit assessment, KPKT regulatory requirements, and a maximum Debt Service Ratio of 70%. MD Capital Bhd is a licensed moneylender under Akta 400 (Moneylenders Act 1951), regulated by the Ministry of Housing and Local Government (KPKT), Malaysia.