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Our SME Development Unit goes a step further by rendering the following services:
- Perform market research on the needs of SMEs.
- Develop various lending products and schemes to meet the requirements of SMEs.
- Encourage business development and joint promotion with relevant establishments such as SMI Association Malaysia, Federation of Malaysian Manufacturers (FMM) and other business-related associations and chambers of commerce.
- Enhance closer cooperation, collaboration and relationships with the SMEs and providing advisory services relating to the availability and usage of banking and credit facilities.
Just click on a product or service below to get more details on how to make Public Bank a partner in driving the growth of your business. |
LOANS
Working Capital
| If you’re looking to raise capital to aid in the running of your business, you'll find the right financing package here.
Overdraft
A flexible facility for you to draw additional funds as and when you require it.
Cash Line Facility-i
An overdraft facility that's in accordance with Shariah principles.
Revolving Credit
You can constantly renew this short-term loan by servicing just the interest at the end of each loan tenure.
Trade Financing
Provides financing for your import and export transactions.
Banker's Guarantee
Provides guarantees for performance and payment obligations. |
Acquisition of Assets
| As your business grows, you may start eyeing a new office lot in a prime location, or more advanced machinery to increase production to meet new demand. Whatever assets your business needs, these financing packages are designed to help you acquire them.
ABBA Term Financing-i
A loan based on Shariah principles that gives you extra funds for buying property and making capital investments to help grow your wealth.
Hire Purchase
Provides financing to help you own the perfect vehicle for your business. |
Project Financing
| For viable projects, Public Bank can either undertake to provide all the necessary funding, or arrange to provide it jointly with other financial institutions. Learn more about our Project Financing Products. |
Vehicle Financing
Whether you’re looking to purchase an addition to your fleet of workhorse vehicles, or a new company car that truly reflects your organisation’s stature, Public Bank offers attractive vehicle financing packages to make owning a new company vehicle easy and fast.
Hire Purchase
Provides financing to help you own the perfect vehicle for your business.
AITAB Hire Purchase-i
A Hire Purchase plan based on Shariah principles.
Floor Stocking Facility
Helps vehicle dealers finance their inventory and keep up with any extra demand, so that there will be no more missed sales opportunities.
Special Working Capital Package
Additional working capital give vehicle dealers more financial flexibility and help them grow their business.
Local Cheque Purchased Facility
Lets vehicle dealers order a new stock of vehicles faster by providing immediate value to cheques that are lodged for clearing. |
PRODUCT PACKAGES
Public Bank offers a full range of loan packages to suit your financing needs, whether you are a new entrepreneur or are running a small to medium enterprise.
SWIFT
Allows you to finance or refinance commercial property with a market value of up to RM3 million.
SWIFT ABBA Term Financing-i
SWIFT plan based on Shariah principles.
SMILAX
Provides financing of up to RM10 million for the purchase or construction of new factories/shophouses/business facilities and refinancing of existing business property for Small and Medium Enterprises and Industries looking to expand their business.
ABBA SMILAX-i
An Islamic financing plan offered under SMILAX.
PBMicro Finance
PBMicro Finance is a microfinancing facility specially designed to meet the funding needs of micro entrepreneurs.
Fund for Small and Medium Sized Industries 2 (FSMI2)
A fund targeted at helping SMIs to raise working capital to expand their production capacity.
New Entrepreneurs Fund (NEF2)
A government-funded loan for Bumiputra entrepreneurs to raise extra working capital or to expand their business. |
| CREDIT GUARANTEE CORPORATION (CGC) GUARANTEE SCHEMES |
The CGC has introduced a selection of loan schemes to promote the development of small and medium scale enterprises. These schemes are ideal to help new entrepreneurs obtain the financing they need even if they do not have the necessary collateral.
New Principal Guarantee Scheme (NPGS)
Financing to promote the growth of viable small and medium scale enterprises that lack the collateral to obtain the required financing through conventional channels.
Small Entrepreneur Guarantee Scheme (SEGS)
Financing at reasonable cost to aid to small entrepreneurs with viable projects.
Flexi Guarantee Scheme (FGS)
Financing aid to companies with net assets/shareholders' funds not exceeding RM10 million for RSFB, FSMI2 and NEF2.
Rehabilitation Fund for Small Businesses (RFSB)
A fund to help Malaysian-owned (at least 51% ownership) small and medium enterprises raise working capital for business expansion.
Special Relief Guarantee Facility (SRGF)
A special guarantee facility established by Bank Negara Malaysia to aid businesses in the tourism and tourism-related sectors that have been affected by the SARS outbreak. |
MORE SERVICES FOR SMEs
More Services For SMEs
We provide comprehensive assistance packages to Small and Medium Enterprises and Industries, both in terms of banking services that give more convenience and help improve efficiency, as well as business support services to keep you well-informed and help give you an edge over your competitors. | | 
