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

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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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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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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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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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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

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

Purpose of Financing:

• Working capital; or/and
• Capital expenditures (e.g., purchase of machinery and equipment or renovation cost for owner-occupied business premises)

Tenure:

• Up to five (5) years

Amount of Financing:

• Up to RM1 million per SME

PDS      

The Facility offers affordable financing rates to help elevate agrofood production based on the following criteria:

1. Projects involving primary agrofood production (upstream), processing/manufacturing, or other downstream activities; and
2. Supportive of domestic primary agrofood production; and
3. Domestic-oriented, where at least half of the total production is sold and sourced in the domestic market.

Purpose of Financing:

• Working Capital;
• Tenure: Up to seven (7) years

Amount of Financing:

• Up to RM1 million per SME

PDS      

The AmMicro Enterprises Facility is to help micro entrepreneurs to grow businesses and to provide collateral-free micro financing for micro enterprises.

The financing facility is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).

The financing facility for SME is in the form of Term Loan which is for working capital purposes and is calculated based on variable rate.

Tenure:

• Up to five (5) years
• Tenure: Up to seven (7) years

Amount of Financing:

• Up to RM 50,000 per Micro SME

PDS