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Small Business Financing (SBF) is a financing to assist increasing the SMEs product marketability and transform their business from Micro to Small category.


  • ​Working Capital


  • The applicant must be Micro Enterprise Company with the following : 
    • Minimum of 51% Bumiputera equity ownership with good credit records.
    • Chief Executive Officer / Managing Director must be Bumiputera.
    • Majority of the Management are Bumiputera
  • The business is owner operated.
  • Registered under the Companies Commission of Malaysia Act 2001 or Co-operative Societies Act 1993.
  • The company is in operations for at least 2 years and profitable in current year.
  • Minimum Turnover of RM150,000 (annual sales).
  • Applicant must be a Micro Enterprise Company with 
  • Must not have any adverse track record with any Financial Institutions.

Financing Concept

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

Margin of Financing

  • ​Up to 100%

Financing Limit

  • Minimum : RM100,000
  • Maximum : RM750,000

Financing Tenure

  • Up to 7 years

Profit Rate

  • 7.5% pa


  • 5% cash collateral
  • Sinking Fund
  • Joint and several or personal guarantees of directors/shareholders

Download Small Business Financing (SBF)

Small Business Financing (SBF) Brochure
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Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700