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.
- 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.
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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 under All Economic Sectors Facility
A fund set up by Bank Negara Malaysia 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 under All Economic Sectors Facility can do for your business:
- 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 Bank Negara Malaysia eligibility criteria.
Here's what Financing under Agrofood Facility can do for your business:
- 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 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) Financing under Special Relief Facility
The fund provides financing to Small and Medium Enterprises affected by the Coronavirus Disease 2019 (COVID-19) to assist them in alleviating short term cash flow problems, subject to Bank Negara Malaysia eligibility criteria.
Here's what Financing under Special Relief Facility can do for your business:
- No collateral required.
- Loan amount up to RM1 million.
- Loan tenure of up to 5.5 years
- Moratorium period of 6 months on both principal and interest payments.
- Attractive pricing.
v) Financing under SME Automation & Digitalisation Facility
The fund provides financing to Small and Medium Enterprises to incentivise them in automating processes and digitalising operations to increase productivity and efficiency, subject to Bank Negara Malaysia eligibility criteria.
Here's what Financing under SME Automation & Digitalisation Facility can do for your business:
- Loan amount up to RM3 million.
- Loan tenure of up to 10 years.
- Attractive pricing.
4) Credit Guarantee Corporation Malaysia Berhad (CGC) Guarantee Schemes
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.
i) BizJamin Scheme
Here's what BizJamin can do for you:
- Group Exposure limit up to RM15 million per group.
- Attractive pricing.
ii) Portfolio Guarantee
Here's what Portfolio Guarantee can do for you:
- Loan amount up to RM1 million.
- Attractive pricing.
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.
i) BizJamin Bumi Scheme
Here's what BizJamin Bumi Scheme can do for you:
- Group Exposure limit up to RM15 million per group.
- Attractive pricing.
A scheme designed to assist local companies and entrepreneurs which involved in green technology projects to support the national green technology agenda.
i) Green Technology Financing Scheme 2.0 (GTFS 2.0)
a) Producer of Green Technology - to finance investment for the production of green technology products.
Here's what GTFS 2.0 can do for you:
- Group Exposure limit up to RM100 million (Up to RM5 million for Working Capital) per group.
- Loan tenure of up to 15 years (Up to 5 years for Working Capital).
- Attractive pricing with rebates.
b) User of Green Technology - to finance investment for the utilisation of green technology.
Here's what GTFS 2.0 can do for you:
- Group Exposure limit up to RM50 million (Up to RM5 million for Working Capital) per group.
- Loan tenure of up to 10 years (Up to 5 years for Working Capital).
- Attractive pricing with rebates.
c) Energy Services Company - to finance investment or assets related to energy efficient projects and/or energy performance contracting.
Here's what GTFS 2.0 can do for you:
- Group Exposure limit up to RM25 million (Up to RM5 million for Working Capital) per group.
- Loan tenure of up to 5 years.
- Attractive pricing with rebates.
5) Government Guarantee Schemes
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 RM10 million.
- Loan tenure up to 16 years or until 31 December 2035, whichever is earlier.
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 Bumiputera 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.