Financing to women entrepreneurs focusing on migrating micro entrepreneurs for business expansion and growth which includes asset acquisition and working capital with a sub-limit for debit card with partnering bank, Bank Islam Malaysia Berhad

Purpose

• Asset acquisition
• Working capital

Eligibility

• The business is owner-operated with at least 51% shareholding by women and is the key decision-maker
• The Company has been in operations for at least two (2) years
• The Company is at least 51% owned by Malaysian
• Do not have adverse financial track records

Financing Concept

• ​Commodity Murabahah Term Financing-i (CMTF-i)
• Commodity Murabahah Revolving Financing (CMRF-i)

Margin of Financing

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

Financing Limit

Minimum	RM100,000
Maximum	RM1,000,000

Financing Tenure

Working Capital	Up to 5 years
Fixed Asset	Up to 7 years

Profit Rate

• BFR + 2.0% p.a.

Collateral

• Fixed asset to be financed
• 30% cash collateral – upfront and built up
• Joint and several guarantees of directors/shareholders or corporate guarantee

Download MySMELady

MySMELadyBrochure

Product Disclosure Sheet ​​CMTF CMRF