Product Packages

1. SWIFT Plan
   SWIFT provides financing for the acquisition of assets to help in the running of your business, or for making personal investments.
   
   SWIFT offers:
   • Daily rest interest calculation for great savings.
   • Option for Redraw Facility for conventional loans with an approved amount of RM100,000 and above.
   • An attractive margin of financing of up to 150% including trade bills.
   • Flexible repayment period of up to 25 years.
   • Financing of your stamp duty and legal documentation fees.
   • Credit cards for eligible directors with annual fee waiver during the loan tenure.
   
   ShopSave
   The package links your fixed loan to your current account whereby the credit balance in your current account will be used to reduce the fixed loan balance outstanding for interest calculation, thus resulting in interest savings.
   
   The financing package is intended to help you:
   • To purchase or refinance your own business premises, such as shophouses, warehouses and industrial factories.
   • To raise working capital, including Overdraft and trade bills facilities.
   • To raise funds for making personal investments.
   • To finance the purchase of selected equipment & machinery.
   
   Terms & Conditions Apply
    
2. SMILAX Plan
   Provides financing and refinancing to Small and Medium Enterprises and Industries that are seeking capital for expansion. So if you're thinking of constructing a new production plant to cope with increasing demand, or purchasing larger business premises, SMILAX will provide the necessary funds.
   
   Here's what SMILAX can do for your business:
   • Financing for a wide variety of purposes.
   • Refinancing or purchase of industrial land, factories, shophouses, plant and machinery.
   • Refinancing of your existing facilities with other financial institutions.
   • Financing of working capital.
   • A standby credit line to meet temporary and seasonal needs.
   
   Attractive Package
   • Enjoy a high margin of advance of up to 200%.
   • Option of deferred instalments for the first 2 years.
   • Competitive interest rates.
   • Long loan tenure of up to 20 years.
   • No processing fees.
    
3. Bank Negara Malaysia Funds

   i.

   Financing under All Economic Sectors Facility

   A fund set up by Bank Negara Malaysia to improve access to financing for Small and Medium Enterprises (SMEs) to raise funds for capital expenditures and working capital, subject to eligibility criteria.

   Facility may be guaranteed by Credit Guarantee Corporation Malaysia (CGC) or Syarikat Jaminan Pembiayaan Perniagaan (SJPP).

   Here's what financing under All Economic Sectors Facility can do for you:

   • Loan amount up to RM5 million.
   • Loan tenure of up to 5 years.
   • Attractive pricing.

    

   ii.

   Financing under Agrofood Facility

   A fund that is specifically designed to increase agrofood production for Malaysia and for export purposes through the provision of financing at affordable rates. Funding can be raised for capital expenditures, working capital and development of agrofood projects, subject to eligibility criteria.

   Facility guaranteed by SJPP.

   Here's what financing under Agrofood Facility can do for you:

   • Loan amount up to RM5 million.
   • Loan tenure of up to 8 years.
   • Attractive pricing.

    

   iii.

   Financing under Micro Enterprises Facility

   A fund set up to improve the access to collateral-free micro financing for micro enterprises* to raise funds for capital expenditure and working capital. The financing is under Bank Negara Malaysia’s Pembiayaan Mikro Scheme.

   *Includes those seeking to generate income by being self-employed or gig worker on digital platforms, as well as participants of the iTEKAD programme.

   Here's what financing under Micro Enterprises Facility can do for you:

   • No collateral required.
   • Loan amount up to RM50,000.
   • Loan tenure of up to 5 years.

    

   iv.

   Financing under SME Automation & Digitalisation Facility

   The fund provides financing to SMEs to incentivise them in automating processes and digitalising operations to increase productivity and efficiency, subject to eligibility criteria.

   Facility guaranteed by SJPP.

   Here's what financing under SME Automation & Digitalisation Facility can do for you:

   • Loan amount up to RM3 million.
   • Loan tenure of up to 10 years.
   • Attractive pricing.

    

   v.

   Financing under Disaster Relief Facility 2022

   A scheme set up to alleviate the financial burden of SMEs affected by flood nationwide and facilitate the resumption of business operations.

   Facility may be guaranteed by CGC or SJPP.

   Here's what financing under Disaster Relief Facility 2022 can do for you:

   • Open to SMEs affected by floods in districts identified by Agensi Pengurusan Bencana Negara (NADMA) as flood disaster areas and SMEs’ assets (e.g. inventory, equipment and business premise) have been damaged by disaster.
   • Loan amount up to RM700,000 per SME under category of Small or Medium and RM150,000 per SME under category of Micro.
   • Loan tenure of up to 7 years, including an optional moratorium period of 6 months.
   • Attractive pricing.

    

   vi.

   Financing under PENJANA Tourism Financing Scheme

   The scheme aims to support viable SMEs in the tourism sector, by preserving capacity as well as assisting SMEs to undertake the necessary investment to adjust and remain viable post-COVID-19.

   Facility guaranteed by SJPP.

   Here's what financing under PENJANA Tourism Financing Scheme can do for you:

   • Loan amount up to RM500,000.
   • Loan tenure of up to 7 years, including 12 months moratorium period and option for subsequent 12 months interest only payment period.
   • Attractive pricing.

    

   vii.

   Financing under Targeted Relief and Recovery Facility

   This facility provides relief and support recovery for SMEs in the services sector affected by reintroduction of COVID-19 containment measures, except tourism and tourism-related subsectors.

   Facility may be guaranteed by CGC or SJPP.

   Here's what financing under Targeted Relief and Recovery Facility can do for you:

   • Loan amount up to RM500,000 per SME under category of Small or Medium and RM75,000 per SME under category of Micro.
   • Loan tenure of up to 7 years, including 6 months moratorium period.
   • Attractive pricing.

    

   viii.

   Financing under High Tech & Green Facility

   The fund aims to support SMEs involved in strategic sectors or critical technology segments to reset, invest, and grow their business opportunities.

   Facility may be guaranteed by CGC or SJPP.

   Here's what financing under High Tech & Green Facility can do for you:

   • Loan amount up to RM10 million.
   • Loan tenure of up to 10 years.
   • Attractive pricing.

    

   ix.

   Financing under Business Recapitalisation Facility

   The fund aims to support SMEs to recover and grow, while managing their level of indebtedness through innovative financing solutions. SMEs may obtain financing through blended financing, which is a mix of debt financing from the Bank and equity financing from third party equity financiers.

   Facility may be guaranteed by CGC or SJPP.

   Here's what financing under Business Recapitalisation Facility can do for you:

   • Loan amount up to RM5 million.
   • Loan tenure of up to 10 years.
   • Attractive pricing.

    

   x.

   Financing under Low Carbon Transition Facility

   The fund aims to encourage and support SMEs to adopt sustainable practices for business resilience. These sustainable practices include, but are not limited to, obtaining sustainability certification, increasing the use of sustainable material for production, improving energy efficiency of building and appliances, and installing on-site renewable energy generation equipment.

   Facility may be guaranteed by CGC or SJPP.

   Here's what financing under Low Carbon Transition Facility can do for you:

   • Loan amount up to RM10 million.
   • Loan tenure of up to 10 years.
   • Attractive pricing.

    

    
4. Credit Guarantee Corporation Malaysia (CGC) Guarantee Schemes

   i.

   Schemes designed to better enable Small and Medium Enterprises with viable business but lack of collateral to acquire the financial support needed to assist their business growth.

   a.

   BizJamin Scheme

    

   Here's what BizJamin can do for you:

   • Group Exposure limit up to RM15 million per group.
   • Attractive pricing.

   b.

   Portfolio Guarantee

    

   Here's what Portfolio Guarantee can do for you

   • Loan amount up to RM1 million.
   • Attractive pricing

   ii.

   A scheme designed to better enable Bumiputera Small and Medium Enterprises with viable business but lack of collateral to acquire the financial support needed to assist their business growth.

   a.

   BizJamin Bumi Scheme

    

   Here's what BizJamin Bumi Scheme can do for you:

   • Group Exposure limit up to RM15 million per group.
   • Attractive pricing.

5. Government Guarantee Schemes Managed by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

   i.

   Working Capital Guarantee Scheme 2
   A scheme set up to assist Small and Medium Enterprises in all sectors to gain access to financing for working capital and capital expenditure. <

    

   Here's what Working Capital Guarantee Scheme 2 can do for you:

   • Loan amount up to RM1 million.
   • Attractive pricing

    

   ii.

   Working Capital Guarantee Scheme - Start Up
   A scheme set up to assist start up Small and Medium Enterprises in all sectors to gain access to financing for working capital and capital expenditure.

    

   Here's what Working Capital Guarantee Scheme – Start Up can do for you:

   • Loan amount up to RM500,000. 
   • Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.

    

   iii.

   Working Capital Guarantee Scheme - Bumiputera
   A scheme set up to assist Small and Medium Enterprises in all sectors to gain access to financing for working capital and capital expenditure.

    

   Here’s what Working Capital Guarantee Scheme - Bumiputera can do for you:

   • Loan amount up to RM1 million for SMEs under Partnership and Sole Proprietorship and RM3 million under Private Limited Company.
   • Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.

    

   iv.

   Automation & Digital Guarantee Scheme
   A scheme set up to assist Small and Medium Enterprises in all sectors to gain access to financing to invest in automation, digitalisation and modernisation which forms part of the Industry 4.0.

    

   Here’s what Automation & Digital Guarantee Scheme can do for you:

   • Loan amount up to RM1 million for SMEs under Partnership and Sole Proprietorship and RM10 million under Private Limited Company. 
   • Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.

    

   v.

   Working Capital Guarantee Scheme - Women
   A scheme set up to assist Small and Medium Enterprises owned and controlled by women in all sectors to gain access to financing with lower cost of financing and increase women entrepreneurs, increase high performing women SMEs and elevate micro women businesses to SMEs.

    

   Here’s what Working Capital Guarantee Scheme - Women can do for you:

   • Loan amount up to RM1 million.
   • Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.

    

   vi.

   Working Capital Guarantee Scheme - Export
   A scheme set up to assist Small and Medium Enterprises in all sectors which are export oriented to gain access to financing in expanding their market overseas.

    

   Here’s what Working Capital Guarantee Scheme - Export can do for you:

   • Loan amount up to RM1 million for SMEs under Partnership and Sole Proprietorship and RM10 million under Private Limited Company.
   • Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.

    

   vii.

   PEMULIH Government Guarantee Scheme
   A scheme set up to further assist eligible Small and Medium Enterprises and Mid-Size Companies to recover and emerge stronger during the current economic recovery phase.

    

   Here’s what PEMULIH Government Guarantee Scheme can do for you:

   • Loan amount up to RM20 million.
   • Loan tenure of up to 10 years.
   • Attractive pricing.