SME Biz G.R.O.W Financing Program

Pursuing your business goals is just a step away with SME BIZ G.R.O.W. We aim to help you achieve your business goals by offering attractive financing features that will help to maximise your business.

Financing Schemes

We offer to our clients the financing schemes as mentioned below:

  • Business Term Financing

Purpose of Financing

The facility is to be used for working capital requirements as well as for capital expenditure (CAPEX) and not be applied for the purposes of refinancing of existing facilities.


The financing is offered for the Revolving facilities

  • Cash Line
  • Trade Facilities
  • Financing limit a minimum of RM50,000.00 and maximum of RM2.5 million
  • Collaterals
    • 70% SJPP Guarantee
    • Joint Several Guarantee (JSG)

Financing Tenure

Up to 7 years

Financing Rate

Based on case to case basis.

Guarantee Fee

The guarantee fee is payable at 1.0% per annum.

Guarantee Coverage

Syarikat Jaminan Pembiayaan Perniagaan (SJPP)


This financing scheme is offered to:

  • Private Limited Company
  • Partnership
  • Soleproprietor

Basic Documents Required

1. Application Form

2. Statutory Documents

  • Form 24, 44 and 49
  • Certified of Incorporation Certificate
  • Certified Latest Memorandum & Articles of Association
  • Certified of Business Registration (Form B)
  • Certified of Certificate issued by the Professional Bodies**

** For Professional Firm

3. Financial Information for or Private Limited

Sendirian Berhad

  • Certified Audited Account for the last 3 years and the latest management account.

Sole Proprietorship / Partnership / Professional Firm

  • Certified Management Account for the last 3 years and the latest management account.

4. Certified Bank Statement for the last 6 months.

Fees & Charges

*Wakalah Fees

*Refer to other fees and charges

Product Disclosure Sheet (PDS)