SME Biz G.R.O.W Financing Program

Pursuing your business goals is just a step away with SME BIZ GROW. We aim to help you achieve your business goals by offering attractive financing features that will help to maximise your business. SME Biz GROW Financing (Tawarruq) Programme is a financing program specially designed for Small and Medium Enterprise (SMEs) to cater for their working capital and/or capital expenses.

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Purpose of Financing

  • Working Capital requirements
  • Capital Expenditure (CAPEX)

The facility shall not be used for refinancing of existing facilities.

Key Features

  • Financing amount from RM100,000 to RM2.5 mil
  • Financing Tenure of up to 7 years
  • 80% guarantee by government via SJPP
  • Collateral not required
  • Term financing only
  • Attractive financing rate

Financing Tenure

Up to 7 years

Guarantee Fee

The guarantee fee starting from 0.75% per annum (subjected to SJPP scheme)


  • Private Limited Company, Partnership, Sole proprietor, Professional Services Providers and must fall within SME definition
  • Malaysia owned with at least 51% shareholding
  • In operation for at least 2 years

Product Disclosure Sheet

Click here to view Product Disclosure Sheet (Eng Version)

Click here to view Product Disclosure Sheet (BM Version)