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BAP is a collaborative financing program with SME Corp. Malaysia with the objective of providing financial assistance to SMEs. It is to assist SMEs in strengthening their core business, building capacity and capability, and facilitating access to financing.

  • Fixed Asset
  • Working Capital
  • SMEs incorporated under Companies Act
  • SME Corp's SCORE 2 or higher
  • The Company is at least 60% owned by a Malaysian
  • Large enterprise ownership of not more than 20%
  • Valid business (business license from local authority, valid business premise)
  • Full time business operator
  • The Company has been in operations for at least 6 months.
Financing Facility(ies)
  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Revolving Credit-i (RC-i)
  • Cash Line-i (CL-i)
  • Ijarah Thummal Bai’ Term (ITB) Financing 
Financing Limit
  • Minimum : RM50,000
  • Maximum : RM1,000,000
Profit Rate
  • 4.0% p.a
Margin of Financing
  • Fixed Asset Up to 90%
  • Working Capital Up to 90%
Financing Tenure
  • Fixed Asset : Up to 10 years, inclusive of grace period up to 24 months
  • Working Capital : Up to 7 years, inclusive of grace period up to 12 months
  • Fixed asset to be financed
  • Minimum 10% cash collateral for working capital financing
  • Joint and several guarantees of directors/shareholders
  • 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.
Fees & Charges

Click here for Fees & Charges

Product Disclosure Sheet


Working [email protected] Accelerator Program (BAP)

Applying for business financing is now easier with MySMEBank online application

Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700