Pembiayaan TEKUN Online 2026: How to Apply, Eligibility & Required Documents

Looking for Pembiayaan TEKUN to start or grow your business?

TEKUN Nasional provides financing schemes for eligible usahawan, including micro and small business owners. For selected locations, applications can also be submitted through TEKUN Online, making the process easier without needing to visit a branch for the initial application.

There are also faster processing targets in 2026. Pembiayaan TEKUN up to RM100,000 is now targeted for processing within 7 days, while financing below RM20,000 is being tested under a pilot programme with a target of approval within 24 hours. The 24-hour target is not a guaranteed approval time.

Here is what you need to know about Pembiayaan TEKUN Online 2026, including the amount available, eligibility, documents and application steps.

What Is Pembiayaan TEKUN?

TEKUN Nasional is an agency under KUSKOP that provides financing to support eligible usahawan and businesses.

The purpose of the financing depends on the scheme. It may be used to support business operations, working capital, business expansion or other approved business needs.

TEKUN offers several financing schemes, including TEKUN Niaga, Skim Pembiayaan Online TEKUN (SPOT), TEKUN Mobilepreneur 4.0 and other schemes for different groups of usahawan.

Because each scheme has its own requirements, check the specific scheme before applying.

What's New for Pembiayaan TEKUN in 2026?

Faster processing for financing up to RM100,000

KUSKOP announced in June 2026 that the processing period for Pembiayaan TEKUN up to RM100,000 had been shortened to 7 days, compared with around 30 days previously.

This is a processing target and does not mean every application will automatically be approved within 7 days.

24-hour target for financing below RM20,000

KUSKOP is also testing a faster process for Pembiayaan TEKUN below RM20,000.

The initiative aims to provide approval within 24 hours, but as of June and July 2026, it was still being implemented as a pilot programme. Applicants should therefore not treat 24 hours as a guaranteed approval time.

How Much Can You Get?

There is no single financing amount for all TEKUN applicants. It depends on the skim pembiayaan you apply for.

For example, Skim Pembiayaan Online TEKUN (SPOT) currently offers:

Applicant	Financing Amount
Usahawan informal	RM1,000 – RM5,000
New usahawan with valid licence, permit or SSM registration	RM1,000 – RM20,000

The SPOT financing period can be up to 60 months or 5 years. The scheme also currently lists a 3% annual profit rate.

Other TEKUN schemes may provide higher financing amounts. For example, TEKUN's official portal lists TEKUN Niaga among its financing schemes.

Who Can Apply for Pembiayaan TEKUN?

Eligibility depends on the scheme. Common requirements may include:

Bumiputera and Warganegara Malaysia
Aged 18 to 65 years old
Not a bankrupt
Has a valid business licence, permit or Daftar Perniagaan (SSM) where required
Actively involved in the business
Has a suitable business location, mobile business or online business, depending on the scheme
Meets the ownership requirements of the relevant scheme
Meets any other scheme-specific requirements

For example, SPOT is specifically designed for usahawan yang menjalankan perniagaan secara online and gives priority to businesses using online platforms such as MyMall, Shopee, Lazada and Zalora.

Because the requirements can differ between schemes, always check the official TEKUN requirements before submitting your application.

What Documents Do You Need?

The documents required depend on the financing scheme and your business type.

Common documents may include:

Kad Pengenalan

A copy of the applicant's Kad Pengenalan.

A copy of the spouse's Kad Pengenalan may also be required where applicable.

Business Registration or Licence

Depending on your business, you may need:

Daftar Perniagaan (SSM)
Business licence
Business permit
Other accepted proof of business activity

Business Photos

Prepare clear photos showing your business and the business activity being carried out.

Bank Statement

You may be asked for recent bank statements showing your business or personal account details.

How to Apply for TEKUN Financing Online

TEKUN currently provides TEKUN Online for selected states. The official TEKUN website lists online applications as available in WPKL, Sabah, Sarawak, Kelantan, Pulau Pinang, Melaka, Johor and Negeri Sembilan.

The application process generally involves the following steps.

Step 1: Register an Account

Go to the official TEKUN Online system and select “Buat akaun baharu”.

Enter the required information, such as:

Nama penuh
E-mel
No. telefon
No. Kad Pengenalan
Kata laluan
Pengesahan kata laluan

Complete the e-mail verification after registering.

Step 2: Log Masuk

Enter your registered e-mail and password.

After logging in, select the relevant option to start your financing application.

Step 3: Enter Your Basic Information

Provide the basic information requested by the system, such as your:

Negeri
Cawangan
Business status
Business method
Bank account details
Business registration information

Fields marked with (*) are required.

Step 4: Enter Your Personal Information

You may need to provide:

Nama dan No. Kad Pengenalan
Jantina
Tarikh lahir
Agama dan bangsa
Status perkahwinan
Bilangan tanggungan
Alamat kediaman
Nombor telefon
E-mel
Status pekerjaan
Pendapatan

If applicable, you may also need to provide your spouse's information.

Step 5: Enter Your Business Information

Provide details about your business, including information such as:

Nama syarikat atau perniagaan
Sektor dan aktiviti perniagaan
Tempoh pengalaman berniaga
Alamat premis atau projek
Anggaran pendapatan kasar
Bilangan pekerja
Waktu operasi
Nilai aset
Modal perniagaan

Make sure the information is accurate and supported by your documents.

Step 6: Add Owner or Partner Information

Where applicable, provide details of the pemilik syarikat atau rakan kongsi.

You may also need to provide information about:

Cawangan perniagaan
Existing financing
Other business details requested by TEKUN

Step 7: Enter Your Financing Details

Provide information such as:

Jumlah pembiayaan
Tempoh bayaran
Kekerapan bayaran
Cara bayaran

Other information may also be requested depending on the financing scheme.

For SPOT, for example, successful applicants are required to participate in Takaful Pembiayaan Berkelompok and the relevant PERKESO self-employment protection scheme. The related contributions are deducted from the approved financing amount.

Step 8: Complete the Declarations

Read and complete the required declarations and authorisations.

This may include the Perakuan Pemohon, consent relating to credit information and Perakuan Penamaan, depending on the application.

Step 9: Upload Your Documents

Upload the required supporting documents.

Check that:

Documents are clear
Information is readable
The file format meets the system requirements
All required documents have been uploaded

Step 10: Submit Your Application

Before submitting, check all your information carefully.

Make sure your personal details, business information, financing amount and documents are correct.

Then submit the application through the system.

After submitting, use the available TEKUN system or dashboard to check the application status.

How Long Does TEKUN Financing Take?

The timeline depends on the financing and application.

For Pembiayaan TEKUN up to RM100,000, KUSKOP announced in June 2026 that the processing period had been shortened to 7 days.

For financing below RM20,000, KUSKOP is targeting approval within 24 hours through a pilot programme. This is still a target and should not be understood as a guaranteed approval time.

A complete application with accurate information can help reduce delays caused by missing information or documents.

What Happens After You Apply?

After submitting your application:

Check your application status through the relevant TEKUN system.
Keep your phone number and e-mail active.
Respond if TEKUN asks for additional documents or information.
Wait for the assessment and decision.
Follow the instructions provided if your application is approved.

Submitting an application does not mean the financing is automatically approved. The final decision depends on TEKUN's assessment and the requirements of the relevant scheme.

TEKUN Nasional Online Portal

The Portal TEKUN Nasional was launched as a digital platform to make it easier for usahawan to access TEKUN-related information and services.

The portal provides information about:

TEKUN financing
Online financing applications
Application status
Entrepreneurship programmes and training
TEKUN offices

The official TEKUN website currently provides access to its different financing schemes and online application services.

TEKUN Nasional Contact Information

For the latest information about Pembiayaan TEKUN, eligibility and application procedures, refer to the official TEKUN Nasional website.

Ibu Pejabat TEKUN Nasional
199801015544 (471673-V)
Menara TEKUN, T5-01-01, Maju Link
Jalan Lingkaran Tengah 2
57000 Bandar Tasik Selatan
Kuala Lumpur

Waktu Operasi

Isnin – Khamis: 8.30 pagi – 5.30 petang
Jumaat: 8.30 pagi – 5.00 petang

Telefon: 03-9059 8888
E-mel: mailbox@tekun.gov.my

TEKUN Online User Guide

Need help with your TEKUN Online application?

You can refer to the TEKUN Online User Guide for detailed instructions on registering an account, completing the application, uploading documents and submitting your application.

Download the TEKUN Online User Guide (PDF)

FAQs

Can I apply for Pembiayaan TEKUN online?

Yes, TEKUN provides TEKUN Online for financing applications in selected states. The official portal currently lists WPKL, Sabah, Sarawak, Kelantan, Pulau Pinang, Melaka, Johor and Negeri Sembilan.

How much can I apply for?

It depends on the financing scheme. For example, SPOT offers RM1,000 to RM5,000 for eligible usahawan informal and RM1,000 to RM20,000 for eligible new usahawan with a valid licence, permit or SSM registration.

Can TEKUN approve financing within 24 hours?

TEKUN financing below RM20,000 is currently part of a pilot initiative targeting approval within 24 hours. It is not a guaranteed approval time for every applicant.

How long does financing up to RM100,000 take?

KUSKOP announced in June 2026 that the processing period for financing up to RM100,000 had been shortened to 7 days.

What documents should I prepare?

The documents depend on your financing scheme. Common documents can include your Kad Pengenalan, SSM or business licence, business photos and bank statements. Check the requirements for your selected scheme before applying.

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