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

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SME Biz Property Extra

The 1st asset-backed CGC guaranteed scheme in the market offering a high margin for your asset and working capital financing needs.

It is a financing solution aimed at assisting qualified SMEs to purchase commercial property (asset financing) as well as gaining access to higher margin of financing including their working capital requirement (working capital financing) by using the same collateral.

  • High margin up to 148% for asset and working capital financing
  • High working capital limit up to RM3 million
  • Program lending/financing – simplified processing

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 and is Malaysian-controlled

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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).

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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.

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Term Loan/Financing-i

Business Term Loan/Financing-i is relatively a simple way of securing funds for any period for up to 7 years that is repayable in equal monthly instalments.

Benefits

  • Secured against Fixed Deposit/Term Deposit-i, property or any collateral acceptable to the Bank.
  • The facility can be used for working capital, renovations, purchase of fixed assets, etc.

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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.

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PDS-Fixed Rate Financing

PDS-Variable Rate Financing

Multi-Trade Facilities

Need working capital line to procure raw materials or finished goods to meet your business or trading requirements? Our Multi Trade Facility (MTF) allows you to use Letter of Credit, Trust Receipt, Bills Purchase and Invoice Financing etc to meet your trading and business requirements needs.

Benefits

  • Flexibility in using the suit of trade financing products to suit your trade transaction needs
  • Provide Trade Courier Services to collect and delivery trade documentation at your door step,
  • making trade transactions easy
  • Fast processing of trade bills within 24 hours
  • Competitive interest rates

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Over-The-Counter Bank Guarantee

AmBank Over-The-Counter Bank Guarantee is a fast Bank Guarantee available through AmBank's extensive branch network in Malaysia issued at customer's request to guarantee customer's obligation to their beneficiary on a simpler approval process. Read more about this product here.

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