Product Packages

1. SWIFT Plan
   This plan provides financing for the acquisition of assets to help in the running of your business, or for working capital such as:
    
   • Financing or refinancing of your own business premises, such as shophouses, warehouses and industrial factories.
   • Raise funds for working capital, including Overdraft and trade facilities.
   • To finance the purchase of selected equipment and machinery.
   • Financing which caters for green and environmentally friendly purpose.
   
   Here’s what SWIFT Plan can do for you:
   • Competitive interest rates and ShopSave Facility with daily rest interest calculation for great savings.
   • High margin of financing of up to 150% (including trade facilities).
   • Flexible repayment period of up to 25 years.
   • Financing of stamp duty and legal documentation fees.
   • Option for Redraw Facility.
   • Availability of Visa Business Card with annual fee waiver for the first year.
   • Credit card for eligible directors with annual fee waiver for the entire loan tenure.
   
   Terms & Conditions Apply.
    
2. SMILAX Plan
   This plan provides financing and refinancing to Small and Medium Enterprises (SMEs) that are seeking capital for expansion. So if you are thinking of constructing a new production plant to cope with increasing demand, or purchasing larger business premises, SMILAX Plan will provide the necessary funds for the following purposes:
    
   • Financing or refinancing 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.
   
   Here’s what SMILAX Plan can do for you:
   • 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.
   
   Terms & Conditions Apply.
    
3. Bank Negara Malaysia (BNM) Funds

   i.

   Financing under All Economic Sectors Facility

   This facility aims to improve access to financing for 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 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

   This facility aims to increase agrofood production for Malaysia and for export purposes through the provision of financing at affordable rates. Financing can be raised for capital expenditures, working capital and development of agrofood projects, subject to eligibility criteria.

   Facility guaranteed by SJPP.

   Here's what 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

   This facility aims 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 BNM'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 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 and Digitalisation Facility

   This facility 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 SME Automation and 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

   This facility aims 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 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

   This facility 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 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 High Tech and Green Facility

   This facility aims to help SMEs and innovate start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech and biotech) for a sustainable and entrenched economic recovery.

   Facility may be guaranteed by CGC or SJPP.

   Here's what High Tech and Green Facility can do for you:

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

    

   viii.

   Financing under Business Recapitalisation Facility

   This facility 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 Business Recapitalisation Facility can do for you:

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

    

   ix.

   Financing under Low Carbon Transition Facility

   This facility 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 Low Carbon Transition Facility can do for you:

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

   Terms & Conditions Apply.

    

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.

   Terms & Conditions Apply.

   
   

    

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

   i.

   Working Capital Guarantee Scheme 2
   A scheme set up to assist SMEs 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 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   ii.

   Working Capital Guarantee Scheme - Start Up
   A scheme set up to assist start up SMEs 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 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   iii.

   Working Capital Guarantee Scheme - Bumiputera 2
   A scheme set up to assist Bumiputera SMEs in all sectors to gain access to financing for working capital and capital expenditure.

    

   Here’s what Working Capital Guarantee Scheme - Bumiputera 2 can do for you:

   • Loan amount up to RM3 million.
   • Loan tenure up to 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   iv.

   Automation and Digital Guarantee Scheme
   A scheme set up to assist SMEs 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 and Digital Guarantee Scheme can do for you:

   • Loan amount up to RM10 million.
   • Loan tenure up to 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   v.

   Working Capital Guarantee Scheme - Women
   A scheme set up to assist SMEs 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 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   vi.

   Working Capital Guarantee Scheme - Export
   A scheme set up to assist SMEs 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 RM10 million.
   • Loan tenure up to 12 years or until 31 December 2035, whichever is earlier.
   • Attractive pricing.

    

   vii.

   PEMULIH Government Guarantee Scheme
   A scheme set up to further assist eligible SMEs 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.

    

   Terms & Conditions Apply.