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

ELIGIBILITY

1. The business is wholly (100%) Bumiputera-owned and registered with the Companies Commission of Malaysia.
2. 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.
3. The entrepreneur is involved in the business/industry full-time and not above 60 years of age.
4. The entrepreneur observes all government regulations including the codes on Food Hygiene Practice and Industrial Waste and the Environmental Pollution Act.

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

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%.

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

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:
1. Contract Awarder must have a Net Shareholders’ Fund of at least RM20.0 million;
2. Contract Awarder must be in operations for not less than 3 years
3. 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

FINANCING AVAILABLE

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

OBJECTIVE

To provide working capital for Bumiputera SMEs that have been awarded with contract or projects.

FINANCING AVAILABLE

ELIGIBILITY

• 100 % Bumiputera ownership
• Secured project from government, government agencies, statutory bodies and private companies

OBJECTIVE

To scheme provides interest rebate for financing obtained by a franchise operator.

FINANCING AVAILABLE

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

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

ELIGIBILITY

• Sole-proprietor and Partnership
• Private Limited Co within the National definition of SME
• Individual business owner

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

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

OBJECTIVE

Financing of entrepreneur currently operating in SME Bank’s premise complex to purchase new business premises in strategic locations.

FACILITY AVAILABLE

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.

OBJECTIVE

To provide financing for Bumiputera company to acquire shares in identified non-core activities that is to be divested by GLCs.

FINANCING AVAILABLE

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.

OBJECTIVE

Provide financing assistance to Services-based companies / business entities to own commercial or industrial properties.

FINANCING AVAILABLE

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

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

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

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

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)

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

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

OBJECTIVE

Financing for upgrade and modernisation into higher value-added activities, and improve the productivity and efficiency of service delivery.

FINANCING AVAILABLE

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

OBJECTIVE

Financing for Malaysian service providers (MSPs) to undertake activities to expand and venture into international markets.

FINANCING AVAILABLE

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.

OBJECTIVE

• To increase the National food production and reduce food imports.
• To finance project in the food sector at a reasonable cost.

FINANCING AVAILABLE

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

OBJECTIVE

Financing to Bumiputera entrepreneurs to encourage the development of business activities in agricultural sectors.

FINANCING AVAILABLE

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

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

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

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

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

OBJECTIVE

To finance working capital for rice planting activities in a paddy field which is certified by related Government agencies.

FINANCING AVAILABLE

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

OBJECTIVE

To promote non-food upstream agriculture and production activities.

FINANCING AVAILABLE

ELIGIBILITY

• Individual (Malaysian citizen) / group / sole proprietorship / partnership / Malaysian-owned company (minimum 51% shareholding) established under the Companies Act, 1965 / other incorporated institutions.

OBJECTIVE

To modernise the fishing industry through acquisition of vessel/boats and bigger and modern fishing equipment.

FINANCING AVAILABLE

ELIGIBILITY

• Individual (Malaysian citizen) / group / sole proprietorship / partnership / Malaysian-owned company (minimum 51% shareholding) established under the Companies Act, 1965 / other incorporated institutions.

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

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

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

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

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

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

OBJECTIVE

Provide guarantee to SMEs to support the growth of SMEs by facilitating their access to financing.

FINANCING AVAILABLE

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.

OBJECTIVE

Provide guarantee to SMEs to support the growth of SMEs by facilitating their access to financing.

FINANCING AVAILABLE

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.

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

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.

OBJECTIVE

Provide guarantee support for SMEs to obtain financing of business operations.

FINANCING AVAILABLE

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.