SME Contract Financing-i

For SMEs to access financing for the purpose of acquiring and/or completing contracts.

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  • For Private Limited Companies (Sdn. Bhd.), Sole-Proprietorship, and Partnership that fall within SME definition.
  • Business must have at least two (2) years of performance track record in undertaking supply, business services, construction, and other general services contracts.
  • Registered with the Companies Commission of Malaysia (SSM), or respective authorities / district offices in Sabah and Sarawak.
  • Malaysians residing in Malaysia that hold a minimum of 51% shareholding / ownership in the business.
  • Business must have an average turnover of more than RM2.0 million over the past 2 financial years and fulfil the following criteria:
    • Main Contractors / Nominated Sub-Contractors / Vendors / Suppliers
    • Registered with the Ministry of Finance, Contractor Service Centre (PKK), or other relevant licensing / certification bodies.

Purpose of Financing

To finance Working Capital Requirements (WCR) and Capital Expenditure (CAPEX*)

*For contract related purposes.

Financing Amount

Sdn. Bhd.:

  • Min: RM1 million
  • Max: RM15 million

Sole-Proprietorship / Partnership:

  • Min: RM500,000
  • Max: RM2.5 million

Financing Rate

  • Attractive financing rates

Financing Tenure

Guarantee Coverage

Up to 80% guarantee coverage by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

[applicable to Sole-Proprietorship / Partnership only].

Type of Contract

Awarded contracts must be evidenced by Letter of Intent, Letter of Award, Contract Document from Awarder, for any of the following:

  • Direct Supply
  • Direct Supply with value added
  • Supply, Installation & Commissioning, Testing, Commissioning, Training, etc.
  • Business Services
  • Construction
  • Infrastructure
  • Or any other contracts deemed acceptable by the Bank
Frequently Asked Questions (FAQ) / Product Disclosure Sheet / E-poster

Click here for Product Disclosure Sheet – ENG Version

Click here for Product Disclosure Sheet – BM Version

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