SME Start-up Financing Program

We are here to support your start up business with the capital that you need.

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  • Open to SME Start-ups under the following sectors:
  • i. Food & Beverage, Restaurant, Shop (exclude Hawker Stall)
    ii. Logistics & Transportations
    iii. Small Contractors that have contracts with Government Agency, Multi-National Company (MNC),
    Public Listed Company (PLC).
    iv. Other Services:

    • Workshop
    • Travel agencies & tour operators; and
    • Car Wash Services
    • Tuition Centre

    v. Any other segments acceptable by the Bank.

  • For Private Limited Company, Sole-Proprietorship, Partnership, and Professional Service Providers that fall within SME definition.
  • Business in operation for at least 6 months of up to 2 years.
  • 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.

Purpose of Financing

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

Financing Amount

  • Min: RM100,000
  • Max: RM500,000

Financing Rate

  • Attractive financing rates

Financing Tenure


  • Upfront cash deposit of 20% of the financing amount

Guarantee Coverage

  • Up to 70% guarantee coverage by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
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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