img-biz-loan

What scheme do we offer

  • Full Range of Business Loan

  • Government Grants

SHARIAH-COMPLIANT SME FINANCING SCHEME (SSFS)GOVERNMENT SME LOANSME FAST LOANTerm Loan (With CCRIS issue) 2 in 1 Mortgage + Business Loan

Trade Facilities

  • Term loans / Trade Facilities

  • Loan amount: RM100,000 to RM5 Million

Financing Cost

  • Interest Rate: Follow Bank Rate But 2% Discount from Government

Tenure

  • Maximum 5 years

Eligibility Criteria

  • Annual sales turnover > RM500,000

  • SMEs undertaking Shariah-compliant business activities

  • Malaysian owned ≥ 60% shareholding

  • In operation for at least 2 years

  • SMEs must comply to one or more of the following : –

    • SME rated with at least 2 Star under SCORE

    • Micro enterprise (ME) rated with at least Level 1 under MCORE

    • Certified under 1-InnoCERT

    • Certified under National Mark of Malaysian Brand

    • Accorded the MSC status by MDeC

    • Accorded the Bio-Nexus status by Malaysian Biotechnology Corporation

    • Certified under the Green Tech Cert of Malaysian Green Technology Corporation

Trade Facilities

  • Term loans / Overdraft / Trade Line

  • Loan amount: RM100,000 to RM3 Million

Financing Cost

  • Interest Rate: 4% to 6% p.a. (Reducing Method)

  • CGC Guarantee Fee: 3% to 5% p.a.

  • 1% p.a. commitment fee for non utilization OD

Tenure

  • Maximum 5 years

Eligibility Criteria

  • Annual sales turnover > RM500,000 but < RM25 Million OR Full-time employees < 150 people

  • Shareholders’ Fund < RM2 Million

  • BUMIPUTRA owned ≥ 51% shareholding

  • Company in operation for at least 3 years but less than 7 years.
    If more than 7 years, the net profit margin for the last 3 years must be < 3%

  • Paid-up capital ≥ RM100,000

Securities

  • Collateral: Yes. Ratio range from 1:3 until 1:5

Processing Period

  • Offer Letter will be out within 45 to 60 days upon full complete application

  • Loan drawdown will be 45 to 60 days after the Offer Letter is signed

  • 3 – 4 Months

Trade Facilities

  • Term loans / Overdraft / Trade Line

  • Loan amount: RM100,000 to RM500,000

Financing Cost

  • Interest Rate: 6% to 8% p.a. (Straight Line Method)

  • 1% p.a. commitment fee for non-utilization OD

Tenure

  • Maximum 3 to 5 years

Securities

  • Collateral: No

Processing Period

  • 1 to 2 months

Key Factor

  • Offer to CCRIS issue Company

  • Must have Property / Land as Security

  • Other Form of Repayment Capacity is allowed

  • Do not submit Income Tax ALSO CAN

Trade Facilities

  • Term loans

  • Loan amount: RM100,000 to RM10 Million

Financing Cost

  • Interest Rate: 1% per month (Reducing Method)

  • No Guarantee Fee

Tenure

  • Maximum 2, 5 and 7 years

Eligibility Criteria

  • Must have Property / Land as Security

  • Malaysian owned ≥ 51% shareholding

  • In operation for at least 2 years

  • Securities

  • Collateral: YES

Key Factor

  • More than 150% margin of Financing

  • Must have Business in Operation

  • Mortgage in Commercial Loan + Business Loan (2 in 1)

  • Our Fees in charge on Business Loan portion

Eligibility Criteria

  • Must have Business in Operation

  • Malaysian owned ≥ 51% shareholding

  • In operation for at least 2 years