Purpose of Financing

• Asset acquisition
• Working Capital

Eligibility

• MSME as defined by SME Corporation Malaysia (SME Corp.) and in transition to low-carbon and sustainable business operations.
• Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities/district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
• Shareholding by Public Listed Companies or Government Linked Companies (if any) shall not exceed 20%.
• At least 51% of shares held by Malaysian residing in Malaysia.
• Shariah-compliant business.
• At least 2 years in operations
• Additional eligibility criteria under the respective Bank Negara Malaysia (BNM) Fund.

Financing Facilities

• Commodity Murabahah Term Financing-i (CMTF-i)
• Ijarah Thummal Bai` (ITB) Financing
• Revolving Credit-i (RC-i)
• Cash Line-i (CL-i)

Financing Limit

• Minimum: RM100,000
• Maximum: RM5.0 million

Profit Rate

• SME Bank Market Fund: 6.00% p.a. (net of 1.00% profit rate subsidy.)
• Bank Negara Malaysia (BNM) Fund: From 3.50% to 6.00% p.a

Margin of Financing

• Asset Acquisition: 
  • Up to 80% (New)
  • Up to 70% (Used/ Refurbish/ Recon/ Rebuilt)
• Working Capital :
  • Up to 100%

Financing Tenure

• Asset Acquisition: Up to 7 years
• Working Capital : Up to 5 years

Collateral

Collateral acceptable by the Bank as per SME Bank’s policy.

Takaful

• Takaful/insurance coverage is mandatory if the asset is given as security for the financing (if applicable). You have the option to select the service offered by our panel Takaful operators or non-panel Takaful operators.

• For working capital financing involving purchase of stock (materials raw, semi-finished, finished goods) shall be covered by Takaful coverage.  

Fees and Charges

Click here for Fees & Charges

Product Disclosure Sheet

DKA