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 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.
- Financing of your stamp duty and legal documentation fees.
- Pre-approved credit cards for eligible directors with annual fee waiver during the loan tenure.
- Free Electronic Credit Payment for EPF & Income Tax Payments.
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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 to Small and Medium Enterprises (Other than SMEs in the Primary Agriculture Sector and Micro Enterprise)
A fund set up by Bank Negara Malaysia (BNM) to improve access to financing for SMEs to raise funds for capital expenditures and working capital, subject to Bank Negara Malaysia eligibility criteria.
Here's what Financing to SME (Other than SMEs in the Primary Agriculture Sector and Micro Enterprise) can do for your business:
- Loan amount up to RM5 million.
- Loan tenure of up to 5 years.
- Attractive pricing.
ii) Financing to Small and Medium Enterprises (SME) in the Primary Agriculture Sector
A fund that is specifically designed to stimulate the growth of domestic agricultural sectors. Funding can be raised for capital expenditures, working capital and development of agricultural projects, subject to Bank Negara Malaysia eligibility criteria.
Here's what Financing to SME in the Primary Agriculture Sector can do for your business:
- Loan amount up to RM5 million.
- Loan tenure of up to 8 years.
- Attractive pricing.
iii) Financing to Micro Enterprises
A fund set up to improve the access to financing for micro enterprises to raise funds for capital expenditures and working capital. The financing is under Bank Negara Malaysia’s Pembiayaan Mikro Scheme.
Here's what Financing to Micro Enterprises can do for your business:
- No collateral required.
- Loan amount up to RM50K.
- Loan tenure of up to 5 years.
iv) Disaster Relief Facility
The fund provides financing to Small and Medium Enterprises affected by disasters to assist them in resuming their business operations. The funds will only be made available upon activation by Bank Negara Malaysia.
Here's what Disaster Relief Facility can do for your business:
- Loan amount up to RM500K.
- Loan tenure of up to 5 years.
- Moratorium period of 6 months on both principal and interest payments.
- Attractive pricing.
4) Credit Guarantee Corporation Malaysia Berhad (CGC) Guarantee Schemes
i) BizJamin Scheme
A scheme 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.
Here's what BizJamin can do for your business:
- Loan amount up to RM10 million.
- Attractive pricing.
ii) BizJamin Bumi Scheme
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.
Here's what BizJamin Bumi can do for your business:
- Loan amount up to RM10 million.
- Attractive pricing.
5) Government Guarantee Schemes
i) Working Capital Guarantee Scheme - Extension
A scheme set up to assist Small and Medium Enterprises under all sectors to gain access to financing for working capital and capital expenditure.
Here's what Working Capital Guarantee Scheme – Extension can do for your business:
- Loan amount up to RM5 million.
- Loan tenure up to 13 years or until 31 December 2030, whichever is earlier.
ii) Working Capital Guarantee Scheme - Start Up
A scheme set up to assist start up Small and Medium Enterprises under 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 your business:
- Loan amount up to RM500,000.
- Loan tenure up to 13 years or until 31 December 2030, whichever is earlier.
iii) Services Sector Guarantee Scheme
A scheme set up to assist Small and Medium Enterprises in services sector to gain access to financing for working capital and capital expenditure.
Here's what Services Sector Guarantee Scheme can do for your business:
- Loan amount up to RM5 million.
- Loan tenure up to 13 years or until 31 December 2030, whichever is earlier.