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

Contact Us       PDS       PDS-i

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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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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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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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

All Economic Sectors (AES)

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      

Agrofood (AF)

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