ACCESS TO FINANCING by development financial institutions
Loans
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OBJECTIVE
Provision of financing for purchase of machinery & equipment, working capital and renovation or upgrading of premise for rural entrepreneurs in manufacturing, services, commercial agriculture and countryside tourism
FINANCING AVAILABLE
Financing available | RM20,000 –RM250,000 (in operation below 3 years) |
RM250,000 –RM500,000 (in operation more than 3 years) | |
Financing allowed up to 3 times only | |
Financing tenure | 3-5 years for loans below RM250,000 5-7 years for loans above RM250,000 |
grace period given of 6 months from disbursement | |
Service charge | 5% annual rest |
ELIGIBILITY
- The business is wholly (100%) Bumiputera-owned and registered with the Companies Commission of Malaysia.
- The operation of business is located in rural areas, i.e. outside the major cities and township of Petaling Jaya, Subang Jaya and Putrajaya. Business is also operated in designated business premise and not a residential premise.
- The entrepreneur is involved in the business/industry full-time and not above 60 years of age.
- The entrepreneur observes all government regulations including the codes on Food Hygiene Practice and Industrial Waste and the Environmental Pollution Act.
MORE INFO |
• | Bank Kerjasama Rakyat Division of Rural Entrepreneurship Development (BKRM) Menara 1, Menara Kembar Bank Rakyat, No. 33, Jalan Rakyat, 50470 Kuala Lumpur Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Menara SME Bank, Jalan Sultan Ismail, 50250 Kuala Lumpur
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• | Bank Rakyat: 03 2612 9709 SME Bank: 1-800-88-3131 |
• | www.bankrakyat.com.my customercare@smebank.com.my www.smebank.com.my |
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OBJECTIVE
A direct financing scheme to cater specifically for businesses less than 4 years in operations utilising the BNM’s Fund for SMEs (other than SMEs in the Primary Agriculture Sector and Micro Enterprises).
FINANCING AVAILABLE
Financing for working capital, and/or asset acquisition (i.e. purchase of machinery and equipment) | |
Financing amount | Minimum RM30,000 Maximum RM300,000 |
Maximum financing tenure | 5 years |
Financing rate | Effective Profit Rate: *BNM Funding Rate at 1.50% (as at 19th June 2017) + 6.50% p.a. Ceiling Profit Rate: 12.00% p.a. |
Note:* BNM Funding Rate may be subject to change at the discretion of BNM |
ELIGIBILITY
- Meet National SME Development Council’s (NSDC) SME definition.
- Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business and must reside in Malaysia.
- Business has been registered and/or in operations for less than 4 years.
- Key decision maker’s age must be at least 21 years old at the point of application and maximum of 60 years old upon full settlement.
- Business is registered with Companies Commission of Malaysia (SSM); or authorities/district offices in Sabah & Sarawak; or statutory bodies for professional service providers.
- Maximum shareholders’ funds not exceeding RM5 million.
- Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%.
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
To provide project / contract financing to Bumiputera entrepreneurs who had been awarded with projects / contracts from Government, Government Linked Company (GLC) or by selected non-government / private companies.
FINANCING AVAILABLE
Financing margin |
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Profit rate |
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Max tenure | 5 years or the contract duration or the funding requirement period, whichever is earlier |
ELIGIBILITY
- 100 % Bumiputera enterprise or is a Bumiputera entrepreneur
- Secured project/contract from government, government agencies, statutory bodies or government-owned companies
- Project/contract secured from private companies (selected) must fulfill the following criteria:
- Contract Awarder must have a Net Shareholders’ Fund of at least RM20.0 million;
- Contract Awarder must be in operations for not less than 3 years
- Contract Awarder has no losses recorded in the last 3 years
- Contractors must be registered with CIDB and are not blacklisted by CIDB
- The project/contract must not be financed by any other FIs
* Subject to Terms & Conditions
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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FINANCING AVAILABLE
Financing Amount | Minimum : RM50,000.00 Maximum : RM500,000.00 |
Guarantee Cover | 100% |
Interest Rate | BLR as per OCBC Bank Berhad + 0% p.a. (BLR + 0%) |
Guarantee Tenure | Maximum up to 7 years & all facilities offered are subject to annual review |
Type of Financing Facility | Term Loan and/ or Overdraft |
Guarantee Fee | As low as 0.5%, up to a maximum of 5.75% |
Participating Financier | OCBC Bank Berhad |
ELIGIBILITY
- Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business
- Meet National SME Development Council’s (NSDC) SME definition
- The business must be in operations for at least one (1) year and complemented with the key person having at least three (3) years experience in a similar industry inclusive of the current business
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
To provide working capital for Bumiputera SMEs that have been awarded with contract or projects.
FINANCING AVAILABLE
Financing margin | Up to RM3 million (for first time applicant) |
Up to RM5 million (for subsequent applicant) | |
For food catering services, financing is up to RM750,000 only | |
For partnership and sole proprietorship, financing is up to RM500,000 only | |
Profile rate | First time financing – 5% per annum |
Subsequent financing – BFR *Maybank Islamic + 1% per annum | |
Max tenure | 5 year of based on contract whichever is lower |
ELIGIBILITY
- 100 % Bumiputera ownership
- Secured project from government, government agencies, statutory bodies and private companies
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
To scheme provides interest rebate for financing obtained by a franchise operator.
FINANCING AVAILABLE
Financing margin | RM7.5 million |
Interest rate | The prescribed rate of interest charged by the PFIs will not exceed BLR 1.5%, while the actual cost to the borrower will be reduced through payment of subsidised interest whereby Ministry of Domestic and Consumer Affairs (KPDNHEP) via CGC will pay the difference for the loan interest (please refer to our website for detail) |
ELIGIBILITY
- Franchisor must be registered with KPDNHEP
- KPDNHEP will ensure the validity of the legal relationship between franchisor and franchisee
- Application to Financial Institutions will submitted by KPDNHEP
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
Financing package for purchase or refinancing of shop houses, shop lots, office and factory spaces. The Package is bundled together with working capital to support business operations and/or additional fund completed or under construction.
FINANCING AVAILABLE
Financing margin | Up to 150% of market value |
Financing tenure | Up to 30 years with grace period depending of readiness of the premise |
ELIGIBILITY
- Sole-proprietor and Partnership
- Private Limited Co within the National definition of SME
- Individual business owner
MORE INFO |
• | Enterprise Centres / Business Centres Menara SME Bank, Jalan Sultan Ismail Wilayah Persekutuan 50774 Kuala Lumpur |
• | Tel: 03-2615 2020 |
• | customercare@smebank.com.my www.smebank.com.my |
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OBJECTIVE
Provides financing to eligible clients and contractors who have supply contract or construction projects with the Government, includes:-
- Contract financed
- Direct supply or contract added value
- Construction and infrastructure project
- Business service contract
FINANCING AVAILABLE
Financing margin | Up to 100% of contract value |
Financing limit | The financing limit for fund-based facilities (excluding Guarantees) is guided by the highest deficit position from the contract’s projected cash flow. |
ELIGIBILITY
- Applicant must be the Main Contractor or Nominated Sub-Contractor
- Applicant must be registered with either of the following
- Ministry of Finance (MOF)
- Contractor Service Centre (PKK)
- Construction Industry Development Board (CIDB)
- Other relevant licensing or registration bodies
MORE INFO |
• | Enterprise Centres / Business Centres Menara SME Bank, Jalan Sultan Ismail Wilayah Persekutuan 50774 Kuala Lumpur |
• | Tel: 03-2615 2020 |
• | customercare@smebank.com.my www.smebank.com.my |
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OBJECTIVE
Financing of entrepreneur currently operating in SME Bank’s premise complex to purchase new business premises in strategic locations.
FACILITY AVAILABLE
Facility | rent a factory unit until a specific time |
suitable factory space, affordable & competitive rental rate with basic amenities | |
adequate and suitable finance facilities | |
entrepreneurship training and consulting services by CEDAR | |
nationwide location factory spaces |
TARGET GROUP
- Bumiputera
ELIGIBILITY
- 100% -owned by Bumiputera.
- Minimum 2 years of operation.
- Private Limited companies and sole proprietor are eligible to apply, priority given to private limited company.
- Companies involves in manufacturing industry.
- Service industry related to manufacturing.
- Cooperatives, Agencies or public bodies are allowed to rent the premises at Entrepreneur Premise Complex of SME Bank for a specific purpose related to entrepreneur development.
MORE INFO |
• | Enterprise Centres / Business Centres Menara SME Bank, Jalan Sultan Ismail Wilayah Persekutuan 50774 Kuala Lumpur |
• | Tel: 03-2615 2883 / 2615 3853 |
• | customercare@smebank.com.my www.smebank.com.my |
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OBJECTIVE
To provide financing for Bumiputera company to acquire shares in identified non-core activities that is to be divested by GLCs.
FINANCING AVAILABLE
Financing size | RM2 million – RM10 million |
Financing margin | Up to 100% of the equities purchase price. |
Financing tenure | Up to 15 years from the date of the facility’s disbursement. (Excluding any incidental costs to be borne by the Acquirer such as advisory fees, legal fees, stamp duty to be paid, etc). |
ELIGIBILITY
- Company registered with Companies Commission of Malaysia, categorized as SMEs*.
- The company must be financially viable and fulfilled the criteria set by SME Bank.
- * SMEs as per SME Bank’s definition.
MORE INFO |
• | Enterprise Centres / Business Centres Menara SME Bank, Jalan Sultan Ismail Wilayah Persekutuan 50774 Kuala Lumpur |
• | Tel: 03-2615 2020 |
• | customercare@smebank.com.my www.smebank.com.my |
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OBJECTIVE
Provide financing assistance to Services-based companies / business entities to own commercial or industrial properties.
FINANCING AVAILABLE
Financing margin | Up to a maximum of RM5 million. |
Financing size (%) | Up to 100% (maximum) |
Financing tenure | Up to 15 years including a grace period of up to 2 years. |
Interest / Profit rates | 4.0% per annum for SME 5.0% per annum for non-SME |
ELIGIBILITY
- Companies incorporated under Companies Act 1965, or
- Businesses registered with ROB
- Professionals registered under the certificate of Practice by Professional Regulatory Bodies
- 60% Malaysian Equity
- Valid premises/business license
- For both SME and non-SME
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888 / 1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
Provides financing for manufacturing companies to modernise and automate their manufacturing process; upgrade production capability and capacity; minimising dependence on labour-intensive activities and foreign labour;diversifying into higher value-added activities;rationalise and streamlining their operations through mergers and acquisitions;productivity improvement; and enhancing export performance.
FINANCING AVAILABLE
Financing size | RM50,000 (minimum) RM10 million (maximum) |
Financing margin |
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Financing working capital |
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Interest / Profit rates |
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ELIGIBILITY
- Companies incorporated under Companies Act 1965, or
- 51% Malaysian Equity
- Valid premises/business license
- For both SME and non-SME
- In operation for at least 2 years
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888 / 1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
To provide assistance to existing and New start-up companies in project, fixed assets and working capital financing; assist SMEs to relocate their operations to legal industrial sites or premises and adoption of ICT in business management and operations.
FINANCING AVAILABLE
Financing size | RM50,000 (minimum) RM5 million (maximum) |
Financing margin | Fixed Assest:
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Financing working capital |
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Financing tenure |
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Interest / Profit rates | 4.0% per annum |
ELIGIBILITY
- SMEs incorporated under Companies Act 1965, or ROB Act 1956
- At least 60% equity held by Malaysians
- Possess a valid premises licence
- SMEs with shareholdings not exceeding 20% held by public-listed companies (only if applicable)
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888/ 1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
Financing for Open Approved Permit (AP) holders to expand and diversify into other automotive-related businesses. The programme also help to sustain and enhance Bumiputera participation in the automotive industry.
FINANCING AVAILABLE
Financing size | RM100,000 (minimum) RM5 million (maximum) |
Financing margin |
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Financing Working capital |
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Financing tenure |
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Interest / Profit rates | 3.5% per annum |
ELIGIBILITY
- Companies incorporated under the companies Act 1965 with:
- Open AP Holders for passenger vehicles (excluding motorcycles)
- Open AP Holders for motorcycles that are registered members of Persatuan Pengimpot Dan Peniaga Kenderaan Melayu Malaysia (PEKEMA)
- A Joint venture company with controlling equity stake held by Open AP Holders
- A company with controlling stakes are owned by Director(s) or shareholder(s) of the Open AP holders and the controlling aspects are reflected in the equity stake, members of the company’s Board of Directors, managerial, technical and supervisory
- A joint venture company with shares are owned by Open AP Holders and Director(s) or shareholder(s) of the Open AP holders with controlling equity stake
- Possess a valid premises licence
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888/ 1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
Financing for upgrade and modernisation into higher value-added activities, and improve the productivity and efficiency of service delivery.
FINANCING AVAILABLE
Financing size | RM50,000 (minimum) RM5 million (maximum) |
Financing margin | Up to 90% of the expenditure |
Financing tenure | Up to 7 years inclusive grace period of up to 24 months |
Interest / Profit rates | - 4.0% per annum for SMEs - 5.0% per annum for non-SMEs |
ELIGIBILITY
- Companies incorporated under the Companies Act 1965 or enterprises registered under the Registration of Businesses Act 1956
- At least 60% equity held by Malaysians
- Possess a valid premises licence
- In operation for at least 2 years
- Annual turnover exceeding RM200,000 and full-time employees exceeding 5
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888 /1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
Financing for Malaysian service providers (MSPs) to undertake activities to expand and venture into international markets.
FINANCING AVAILABLE
Financing size | Financing to defray the cost related to the issuance of a Bank Guarantee or Performance Bond for project execution excluding the principal value of the said Bank Guarantee or Performance Bond. RM5 million (maximum) per company |
Financing margin | Up to 90% of the eligible expenses |
Financing tenure | Up to 2 years including 6 months grace period |
Interest / Profit rates | 2% per annum |
ELIGIBILITY
- Registered with MATRADE under the Malaysia Exporters Registry (MER).
- Firms incorporated under the Companies Act 1965; or Sole proprietors, professionals and partnerships registered with respective professional authorities in Malaysia.
- Having at least 60% equity owned by Malaysian.
- Company must be currently active in business and has been in operation for at least 1 year.
- Exporting Malaysian services or products made in Malaysia.
MORE INFO |
• | Menara MIDF 82, Jalan Raja Chulan 50200 Kuala Lumpur |
• | Tel: 03-2173 8888/ 1-300-88-6433 e-mail: GrowYourBusiness@midf.com.my |
• | www.midf.com.my |
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OBJECTIVE
- To increase the National food production and reduce food imports.
- To finance project in the food sector at a reasonable cost.
FINANCING AVAILABLE
Financing size | Maximum up to RM10 million |
Financing tenure | Maximum up to 10 years |
Profit rates |
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ELIGIBILITY
- Individual / Non-Individual
- Malaysian citizen
- Partnership or sole-proprietor
- Malaysian-owned companies (shareholding of not less than 51%) formed under companies act 1965
- The projects must be conducted in Malaysia
- Production of commodities with at least half of the total food production sold in the domestic market
- Economical projects which comprise of the following:
- Production of main foods
- Integrated Agriculture / Plantation
- Up-stream and down-stream projects
- Shariah compliant services / projects only
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
Financing to Bumiputera entrepreneurs to encourage the development of business activities in agricultural sectors.
FINANCING AVAILABLE
Financing size | Maximum up to RM5 million |
Financing tenure | Maximum up to 10 years |
Profit rates | 3.75% per annum on monthly rest basis |
ELIGIBILITY
- Open to entrepreneurs / existing Bumiputera companies that require capital for business expansion purposes
- Existing or new customers of the Bank
- Shariah compliant services / projects only
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To provide financing for SMEs involved in the production of food activities managed by the Ministry of Agriculture and Agro-based Industry, the State Government or any other Government agencies.
FINANCING AVAILABLE
Financing size | Up to 100% from the project cost and subject to the maximum of RM500,000 |
Financing tenure | Maximum up to 8 years |
Profit rates | 3.75% per annum on monthly rest basis |
ELIGIBILITY
- Individuals (Malaysian citizen)
- Sole- proprietor or partnership or other Institutions incorporated
- Malaysian-owned companies (shareholding of not less than 51%) formed under companies act 1965
- Shariah compliant services / projects only
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To enhance contribution and stimulate investment within the manufacturing, processing and service sectors of the agro-based industry (encompassing food and non-food commodities).
FINANCING AVAILABLE
Financing size | Maximum up to RM5 million |
Financing tenure | Maximum up to 10 years |
Profit rates | 3.75% per annum on monthly rest basis |
ELIGIBILITY
- Individual / Non-Individual
- Malaysian citizen
- Partnership or sole- proprietor
- Malaysian-owned companies (shareholding of not less than 51%) formed under companies act 1965
- Other Incorporated Institutions
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To finance working capital for rice planting activities in a paddy field which is certified by related Government agencies.
FINANCING AVAILABLE
Financing size | Minimum of RM1,000 Maximum up to RM50,000 |
Financing tenure | Maximum up to 5 years |
Profit rates | 3.25% per season (6 months) |
ELIGIBILITY
- Individual (Malaysian citizen)
- Farmers registered with BERNAS (Padiberas Nasional Berhad) or other related agencies certified by the government.
- Minimum age is 18 at the point of application and above until the age of 70 years at the expiry of the financing period
- There are no legal obstacles
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To promote non-food upstream agriculture and production activities.
FINANCING AVAILABLE
Financing size | Minimum of
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Financing tenure | Maximum up to 10 years |
Profit rates | 3.75% fixed per annum |
ELIGIBILITY
- Individual (Malaysian citizen) / group / sole proprietorship / partnership / Malaysian-owned company (minimum 51% shareholding) established under the Companies Act, 1965 / other incorporated institutions.
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To modernise the fishing industry through acquisition of vessel/boats and bigger and modern fishing equipment.
FINANCING AVAILABLE
Financing size | From RM40,000 up to maximum of RM10million |
Financing tenure | Maximum up to 10 years |
Profit rates | 3.75% to 5% fixed per annum |
ELIGIBILITY
- Individual (Malaysian citizen) / group / sole proprietorship / partnership / Malaysian-owned company (minimum 51% shareholding) established under the Companies Act, 1965 / other incorporated institutions.
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To provide specific financing facility targeted for young entrepreneur in agriculture sector in order to produce progressive, competitive, creative, and innovative and highly income young agropreneurs.
FINANCING AVAILABLE
Financing size | Maximum of RM50,000 or maximum 70% from project cost which consists of fixed and operational capital (for new projects) or from the cost of project expansion (for existing projects). |
Financing tenure | Maximum up to 7 years |
Profit rates | Maximum up to 7 years |
ELIGIBILITY
- Applicants must be Malaysian
- Age between 18 to 40 years old at the point of application
- Must be registered with Unit Agropreneur Muda (UAM), Ministry of
- Agriculture and Agro-based Industry
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
A group financing program to provide working capital to the participants under Program Lembu Korban through collaboration between Agrobank and Pertubuhan Peladang Kawasan – Kuala Langat (PPK-KL).
FINANCING AVAILABLE
Financing size | Minimum of RM30,000 Maximum of RM300,000 |
Financing tenure | Maximum up to 5 years inclusive of grace period |
Profit rates | 3.75% fixed per annum |
ELIGIBILITY
- Individual or registered business/ company – sole proprietorship, partnership, association, cooperatives and private limited company
- For individual, applicant must be minimum age of 18 upon application and maximum age of 65 at the expiry of the financing period
- Must be registered and sign agreement to participate under the Program Lembu Korban with PPK-KL
- There are no legal obstacles
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
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OBJECTIVE
To provide financing to the participants to purchase new machinery and equipment that are used directly or indirectly for the production, processing, and marketing of agriculture or agro-based products.
FINANCING AVAILABLE
Financing size | Minimum of RM5,000 and maximum up to RM150,000 or maximum 70% from the total asset cost |
Financing tenure | Maximum up to 9 years |
Profit rates | 3.75% fixed per annum |
MOA Grant | Maximum up to 20% from the total asset cost |
ELIGIBILITY
- Individual, Malaysian citizen, aged from 18 on the financing acceptance to 60 years old on the maturity of financing
- Malaysian Companies or Malaysian owned company (minimum ownership of 51%), partnership or sole- proprietor
- Must be registered and selected by MOA under Mechanisation and Automation Project in Agro-food
MORE INFO |
• | Bank Pertanian Malaysia Berhad (Agrobank) Leboh Pasar Besar Peti Surat 10815 50726 Kuala Lumpur |
• | Telephone : 03-2731 1600 Fax : 03-2691 4908 Customer Service/ Call Center: 1 300 88 2476 |
• | www.agrobank.com.my |
Guarantee Scheme
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OBJECTIVE
Provide guarantee to SMEs to support the growth of SMEs by facilitating their access to financing.
FINANCING AVAILABLE
Financing Amount | Minimum: RM50,000 Maximum: RM500,000 |
Guarantee Cover | 100% |
Interest Rate | BLR as per RHB Bank Berhad + 0% p.a. (BLR + 0%) |
Guarantee Tenure | Maximum up to 5 years & all facilities offered are subject to annual review |
Type of Financing Facility | Term Loan and /or Overdraft |
Guarantee Fee | As low as 0.5%, up to a maximum of 5.75% |
Participating Financier | RHB Bank Berhad |
ELIGIBILITY
- Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business
- Meet National SME Development Council’s (NSDC) SME definition
- The business must be in operations for at least one (1) year and complemented with the key person having at least three (3) years experience in a similar industry inclusive of the current business.
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
Provide guarantee to SMEs to support the growth of SMEs by facilitating their access to financing.
FINANCING AVAILABLE
Financing Amount | Minimum: RM50,000 Maximum: RM500,000 |
Guarantee Cover | 100% |
Interest Rate | BLR as per RHB Bank Berhad + 0% p.a. (BLR + 0%) |
Guarantee Tenure | Maximum up to 5 years & all facilities offered are subject to annual review |
Type of Financing Facility | Term Loan and /or Overdraft |
Guarantee Fee | As low as 0.5%, up to a maximum of 5.75% |
Participating Financier | RHB Bank Berhad |
ELIGIBILITY
- Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business
- Meet National SME Development Council’s (NSDC) SME definition
- The business must be in operations for at least one (1) year and complemented with the key person having at least three (3) years experience in a similar industry inclusive of the current business.
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
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OBJECTIVE
Provide guarantee for financing granted under BNM’s Funds for SMEs (other than SMEs in the Primary Agriculture Sector and Micro Enterprises)
FINANCING AVAILABLE
Financing for capital expenditures; or/and working capital | |
Guarantee Cover | Ranging from 30% - 80% |
Guarantee Fee | Secured Portion :-Between 0.50% and 1.85% per annum. Unsecured Portion :-Between 0.80% and 2.15% per annum |
ELIGIBILITY
- Meet National SME Development Council’s (NSDC) SME definition.
- Business is registered with the Companies Commission of Malaysia (SSM); or authorities/district offices in Sabah and Sarawak; or statutory bodies for professional service providers;
- Maximum shareholders’ funds not exceeding RM5 million;
- Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%;
- Malaysians residing in Malaysia hold a minimum of 51% shareholding in the SMEs.
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |
![]() |
|
OBJECTIVE
Provide guarantee support for SMEs to obtain financing of business operations.
FINANCING AVAILABLE
Schemes | |||
Financing margin | RM50,000 – RM500,000 | RM50,000 – RM2,000,000 | RM50,000 – RM500,000 |
Financing facilities | Term loan overdraft | ||
Guarantee fee | From 0.5% up to maximum 5.75% loan guarantee to submit directly to CGC |
ELIGIBILITY
- Must fall within definition of SMEs.
- Malaysian owned and control entity registered under Companies Act, Sole proprietor or partnership.
- Operational minimum of 1 year.
MORE INFO |
• | Bangunan CGC Kelana Business Centre,97, Jalan SS7/2 47301 Petaling Jaya, Selangor |
• | Tel : 03-7806 2300 |
• | www.cgc.com.my |