i surf banner


BAP is a collaborative effort 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


  • Meet SME definition
  • 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 Concept

  • ​Commodity Murabahah Term Financing-i (CMTF-i)
  • Cash Line-i
  • Ijarah Thummal Bai’ Term Financing (ITB)

Margin of Financing

Fixed Asset Up to 90%
Working Capital Up to 100%

Financing Limit

Minimum RM50,000
Maximum RM1,000,000

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

Profit Rate

  • 4% p.a


  • Fixed asset to be financed
  • Minimum 10% cash collateral for working capital financing
  • Joint and several guarantees of directors/shareholders

Download Business Accelerator Program (BAP)

Brochure Business Accelerator Program (BAP)
 PDS icon 01

Product Disclosure Sheet



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