Welcome to EXCESS CAPITAL
More Than a Loan — A Smarter Way to Move Forward.
Fast approvals, flexible terms, and financial solutions built around you.
About Excess Capital
Going Beyond to Help You Get Ahead
Excess Capital is a licensed moneylender in Malaysia, committed to providing reliable and accessible financial solutions for individuals and small business owners across the country.
We believe everyone deserves a fair chance at financial stability. That’s why we offer more than just a loan — we offer guidance, transparency, and a team that genuinely cares about your outcome.
What We Offer
Services
Personal Loan
Whether it's a medical bill, home expense, or personal goal — we've got a plan that fits your budget and timeline.
Emergency Loan
Urgent situations call for fast action. We process and approve emergency loan applications as quickly as possible.
Business Loan
Fuel your business growth with practical financing designed for small business owners and self-employed individuals.
Debt Consolidation Loan
Bring all your debts under one roof with a single monthly repayment at a lower, more manageable interest rate.
Happy Clients
Testimonials
“I needed money urgently and Excess Capital came through for me on the same day. The whole process was smooth and the team was very professional.”
En
“Very honest and straightforward. They explained all the terms clearly and there were no hidden charges at all. Really appreciate the transparency.”
Ms. Yap
“Great experience from start to finish. The staff was patient, friendly, and made everything easy to understand. Will definitely return if I need help again.”
Mr. Ra
“I was quite stressed about my finances but the team made the whole process feel easy. No pressure at all. Very professional.”
Ms. Rose
Licensed & Regulated — Fully licensed and compliant in Malaysia. Every transaction is safe, fair, and above board.
Fast & Efficient — Minimal waiting time. Most applications are approved on the same day with funds released promptly.
Fully Transparent — No hidden fees, no fine print surprises. All terms are explained clearly before you sign anything.
Personalised Approach — We don’t do one-size-fits-all. Our team works with you to find a solution that truly fits your situation.
Ready to Make Your Move?
Take control of your finances today. Apply now and experience fast, fair, and stress-free financial support.
Address:
NO. 44-A2, JALAN BANDAR PUSAT PERDAGANGAN,
Whatsapp:
010 533 6648
Concerns
- Minimum period for repayment: 6 months.
- Maximum period for repayment: 60 months Payment terms can be negotiated.
- APR ranges from 2% to 10% per annum.
- Maximum Annual Percentage Rate (APR) 10% per annum
Fees of Loan Application includes all fees:
Account Activation Fee RM100