Choosing a business loan shouldn't mean guessing in bank jargon. OCTIS compares term loans, overdrafts and credit lines across lenders, checks what you're eligible for, and prepares a strong application. AI runs the comparison; our advisors explain rates, security and repayment in plain language so you borrow with eyes open.
Loan comparison: Term loans, overdrafts and credit lines compared across banks and lenders on rate, fees and tenure.
Eligibility review: A clear read on what you qualify for before applying, so you avoid needless rejections on your record.
Terms guidance: Advisors explain interest, security, covenants and penalties in plain terms, not bank jargon.
Application packaging: Financials and supporting documents assembled into a lender-ready submission that's hard to decline.
Credit line matching: Revolving facilities matched to your working-capital pattern, so credit is there when you need it.
AI offer scoring: AI scores available facilities against your profile so you see the genuinely best-fit options first.
Found cheaper? We match it. Backed by a 30-day money-back guarantee.
The right loan, on terms you understand
Compare and apply for business loans and credit lines with clear guidance on terms, eligibility and which facility truly fits your needs.
Quote-based — pay for the volume you actually have.
- Compared
- Across lenders
- Plain-English
- Terms explained
- Guided
- Application support
What’s included
Everything Business loans covers
Choosing a business loan shouldn't mean guessing in bank jargon. OCTIS compares term loans, overdrafts and credit lines across lenders, checks what you're eligible for, and prepares a strong application. AI runs the comparison; our advisors explain rates, security and repayment in plain language so you borrow with eyes open.
Loan comparison
Term loans, overdrafts and credit lines compared across banks and lenders on rate, fees and tenure.
Eligibility review
A clear read on what you qualify for before applying, so you avoid needless rejections on your record.
Terms guidance
Advisors explain interest, security, covenants and penalties in plain terms, not bank jargon.
Application packaging
Financials and supporting documents assembled into a lender-ready submission that's hard to decline.
Credit line matching
Revolving facilities matched to your working-capital pattern, so credit is there when you need it.
AI offer scoring
AI scores available facilities against your profile so you see the genuinely best-fit options first.
How it works
Set up once, then it just runs
- 1
Understand your need
We clarify how much you need, what for, and the repayment shape your cash flow can sustain.
- 2
Compare the market
AI and advisors compare facilities across lenders and shortlist those that fit your profile.
- 3
Package the application
We assemble financials and documents into a strong, lender-ready submission for your shortlist.
- 4
Apply and advise
We submit, guide you through the terms, and help you choose the offer that's genuinely best.
Pricing
Pay for guidance, not guesswork
Our advisory fee is quote-based on loan size and application complexity. AI runs the comparison and packaging, so we run lean and pass the savings on. Talk to our expert for a tailored quote.
Get a quote built around your business
Tell our expert a little about your volume and we’ll send a clear, fixed monthly quote — no obligation.
Why run Business loans on OCTIS
No more comparing blind
See facilities side by side on the terms that matter, not just the headline rate.
Apply where you'll succeed
Eligibility checks first mean fewer rejections and a cleaner credit record.
Borrow with full clarity
Advisors translate the fine print, so you sign knowing exactly what you're agreeing to.
Frequently asked
How is the price worked out?
Our advisory fee is quote-based on the loan size and the complexity of your application. Lender interest and fees are set by the bank. Talk to our expert for a tailored quote and an honest view of likely costs.
Can you guarantee loan approval?
No. Approval rests with the lender against their own criteria. We check eligibility upfront and package your application strongly to give it the best honest chance of success.
Which lenders do you work with?
We compare facilities across Malaysian banks and licensed lenders, including SME-focused products and Bank Negara-backed financing schemes, then shortlist what fits your profile.
How is this different from going direct?
We compare the market for you, check eligibility before you apply, and explain the terms in plain language, so you choose a better-fitting loan with fewer wasted applications.
Part of Capital & Fundraising
Works together with the rest of Capital & Fundraising
Talk to an OCTIS expert about Business loans
Get answers, a tailored quote and a clear next step — usually within one business day.