GX Biz FlexiLoan

Flexible Business Financing Up to RM150,000 for Malaysian SMEs

Growing your online business takes capital — for stock, marketing, and fulfilment. Through ParcelDaily's partnership with GXBank, you can apply for a GX Biz FlexiLoan directly in the GXBank app and get a decision in minutes, not weeks.
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GXBank is licensed by Bank Negara Malaysia and is a member of PIDM. Eligible deposits protected up to RM250,000 per depositor.
What Is GX Biz FlexiLoan?

GX Biz FlexiLoan is a flexible business credit line from GXBank, Malaysia’s digital bank. Once approved, you get a credit limit of up to RM150,000 that you can draw from anytime — and you only pay interest on what you use.

GX Biz FlexiLoan is a product of GX Bank Berhad. Approval is subject to GXBank’s eligibility criteria and credit assessment. Terms and conditions apply.

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Up to RM150,000 credit limit
Draw down what you need, when you need it, 24/7
Approval in minutes
Apply fully online in the GXBank app. No branch visits, no stacks of paperwork.
Instant disbursement
Funds go straight into your GX Biz Account the moment you draw down.
Flexible repayment up to 3 years
Choose a tenure that fits your cash flow.
No early settlement penalty
Pay off early and save on interest, at no extra cost
Revolving limit
As you repay, your available limit replenishes. No re-application needed.

ParcelDaily's Official
GX Biz FlexiLoan Referral Code

PDGX
Click to Copy Code
This is the only code you need. When you apply for GX Biz FlexiLoan in the GXBank app, enter PDGX in the referral code field to apply through ParcelDaily.
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Built for Business Owners Who Move Fast

Online sellers &
e-commerce brands

Stock up before 11.11, Raya, or year-end sales without draining your cash flow.

Retail & F&B sole proprietors

Cover inventory, equipment, or renovation costs with repayments that match your revenue cycle.

Dropshippers & social sellers

Scale your ad spend and order volume with capital you can draw down anytime.
Eligibility Criteria
  • Malaysian citizen (MyKad holder)
  • Sole proprietor of a business registered with SSM
  • You’ll need your MyKad and 12-digit Business Registration Number (BRN)
  • Latest 6 months business or personal bank statements from other banks (not GXBank)
Not eligible yet? Open a Biz Account and enable credit offer notifications. You'll be the first to know when we're ready to offer your business a loan.
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Why FlexiLoan Beasts a Traditional Business Loan

Pay only for what you use
Traditional loans charge interest on the full lump sum from day one. FlexiLoan only charges interest on what you draw down.
Approved in minutes
Bank loans take weeks of paperwork and branch visits. FlexiLoan is approved in minutes, entirely inside the GXBank app
No lock-in, no penalty
Settling a traditional loan early often triggers penalty fees. With FlexiLoan, repay early anytime and save on interest — zero penalty

 ● Licensed by Bank Negara Malaysia ● Member of PIDM

How to Apply for GX Biz FlexiLoan

1

Download GX Bank app and Register Account

Create your GX Biz Account through GX Bank’s digital onboarding platform
2

Complete Business Verification

Submit your business details and complete the verification process online.
3

Activate Your Account

Perform your first fund-in using your personal bank account to activate the account.
4

Enter "PDGX" at Referral Code

Insert ParcelDaily referral code during the onboarding process to proceed under our partner referral program.
5

Apply For GX Biz FlexiLoan

Once activated, continue your financing application directly through GX platform.
Download PDF Guide

Download Full Application Guide

Download tutorial in PDF format for easy reference anytime.

Download GXBank

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Your Trusted SME Logistics Partner — Now Helping You Access Capital

ParcelDaily is trusted by 10,000+ sellers and merchants across Malaysia to ship smarter every day. We partnered with GXBank because the same businesses that ship with us need fair, fast access to working capital.

  1. Multi-Courier Rate Comparison — compare 10+ couriers (J&T, SPX, Ninja Van, Pos Laju & more) in one view and ship from RM5.00.
  2. COD with Next-Day Remittance — offer Cash on Delivery and get paid as early as the next business day.
  3. Shopify & WooCommerce Integration — sync orders automatically, no manual entry.
  4. Smart Paste — Save time and reduce manual data entry.
  5. 7 Days Human Support — Fast and reliable assistance whenever you need it.

Shipping with ParcelDaily keeps your operations lean. GX Biz FlexiLoan keeps your growth funded. Together, they’re your complete SME toolkit.

Not Sure If GX Biz FlexiLoan Is Right for Your Business?

Chat with an Account Manager on WhatsApp

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GX Biz FlexiLoan — Frequently Asked Questions

It’s a flexible business credit line from GXBank offering up to RM150,000. You draw down funds as needed and only pay interest on the amount used.

Malaysian citizens who are sole proprietors of an SSM-registered business. You’ll need your MyKad and 12-digit Business Registration Number.

The application is fully digital in the GXBank app, with credit approval in minutes for eligible applicants.

Enter code PDGX in the referral field during your Biz FlexiLoan application in the GXBank app.

No. You can settle early with no penalty and reduce your interest charges.

Yes. GXBank holds a digital bank licence from Bank Negara Malaysia and is a member of PIDM, with eligible deposits protected up to RM250,000 per depositor.

  • You have the flexibility to borrow a loan from the credit line only when you need it.
  • No interest or fees will be charged if you do not borrow from the credit line.
  • You can borrow multiple loans up to your credit limit.
  • You can get cash instantly 24/7.
  • Borrow instantly at the click of a button.
  • Before borrowing a loan, all interest rates and fees are clearly displayed to you so you can make the best choice.
  • Flexibility to select a monthly repayment date that works for your business.
  • No early repayment fees.
  • No annual fees.
  • No late fees, but a late interest is chargeable if you do not make your loan repayments on time.
  • You can borrow multiple loans, up to the full amount of your available credit limit.

You can perform drawdowns as often as needed, up to a maximum of 10 times. This is provided you stay within your credit limit and have no overdue payments for more than 15 days.

Below could be some reasons why you can’t draw a new loan:

  • 10 active loans: You can only borrow up to 10 loans from your available credit limit.
  • Insufficient credit limit: You do not have sufficient credit limit to draw a loan.
  • 15 days past due: Any one of your loans was unpaid for 15 days past the due date.

Funds will be available instantly upon drawdown.

CGC Guaranteed Biz FlexiLoan is the same Biz FlexiLoan product offered by GX Bank, just that your credit limit of the loan would be larger as a result of having a guarantee provided by Credit Guarantee Corporate (CGC) onto the Biz FlexiLoan of yours. Click here to find out more about CGC Guaranteed Biz FlexiLoan.

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