Search AmBank

Start typing...

Deposits

Loans and Financing

Cards

Wealth Management

Insurance

SME Banking

AmBank SIGNATURE Priority Banking

Repayment Assistance

Business Financing & Loans

Helping you maximize the growth of your business

Understanding you helps us better understand your business needs.
We are sincere in our intentions to build and maintain a business relationship with you right from the beginning. What we offer are solutions, to strengthen your business, finance daily operations and pave the way forward for future growth.

Working Capital Guarantee Scheme by SJPP

Offers flexible financing on working capital and capital expenditure

Available in Term Loan/Term Financing-i and/or Overdraft/Cashline-i
Up to RM2 million loan/financing limit with competitive rate
Up to 7 years loan/financing tenure with no lock in period

Eligibility:

SME profile, i.e. sole-proprietor, partnership, private limited company
Business registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding
Business in operation for ≥ 3 years
Key person age shall be between 25 to 65 years old

SME Portfolio Guarantee

A flexible working capital loan/financing to help you better manage your daily financial needs.

Up to RM1 million loan/financing limit with competitive rate
Up to 7 years loan/financing tenure with no lock in period
NO collateral required

Eligibility:

A business entity of Sole Proprietorship, Partnership, or Private Limited Company
SMEs per National SME Development Council’s (NSDC) definition
Business registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding
Business has been in operations for at least THREE (3) years

Commercial Property Loan/Financing-i

A commercial property loan/financing that offers long-term financing for the purchase of completed or under-construction commercial and industrial properties. The facility is also made available to refinance completed properties and remortgage of properties that are free from encumbrances (cash-out).

Overdraft/Cashline-i

Your business needs working capital for the day-to-day cashflow. Overdraft/Cashline-i facility provides the most convenient and flexible form of financing.

Features

It is a revolving facility made available via a current account where you can use any amount up to the approved facility limit for any purpose.
Interest/profit is calculated on a daily basis and charged only on the amount used.

Equipment Financing

Purchasing an industrial equipment or machinery? Ease your cashflow by amortising your equipment’s purchase price over a period of up to 5 years.

Benefits

High margin of financing
Longer repayment period of up to 5 years
Tailored to your financing needs.
Competitive rates.

BNM’s Fund for SMEs – Low Carbon Transition Facility (LCTF)

The LCTF scheme aims to encourage and support SMEs to transition to low carbon operations by adopting sustainability practices for business resilience.

Purpose of Financing: Capital expenditures to initiate or facilitate the transition to low carbon and sustainable operation.

Tenure: Up to eight (8) years

Interest Rate: Up to 5.00% per annum inclusive of guarantee fee, if any

Amount of Financing: Up to RM1.0 million

Guarantee: Guarantee Schemes by Credit Guarantee Corporation Malaysia Berhad (CGC) or Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

PDS

BNM’s Fund for SMEs – Disaster Relief Facility (DRF)

The DRF aims to alleviate the financial burden of SMEs affected by floods and enable them to resume their business operations.
Purpose of Financing:

Working Capital; and/or
Repairs and/or replacement of assets for business use which have been damaged by floods.

Tenure: Up to seven (7) years including 6-month moratorium
Facility Type: Term Loan
Interest Rate: Up to 3.5% per annum inclusive of guarantee fee (if any)
Amount of Financing:

Maximum of RM700,000 per SME
Maximum of RM150,000 per Micro Enterprise

PDS