Subordinated Financing Programme (SFP) is a collaboration financing programme with TERAJU to provide financing to Bumiputera companies in the shortfall of project or plant/machinery cost. SFP is a two-tier financing programme in the form of Principal Financing and Subordinated Financing.

Purpose

• For project and plant/machinery/equipment financing

Eligibility

• Bumiputera shareholding in the Company is at least 51%
• CEO/MD or highest management position must be Bumiputera
• Company's investment value in the project should be at least 5% of the total financing applied

Financing Concept

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

 

Margin of Financing

Principal Financing	Up to 65% of project or asset acquisition cost.
Subordinated Financing	Up to 30% of of project or asset acquisition cost or RM3.0 million, whichever is lower

 

Financing Limit

Principal Financing	Up to Single Customer Limit
Subordinated Financing	Up to RM3.0 million

 

Financing Tenure

Principal Financing	Up to 10 years
Subordinated Financing	Up to 3 years*

*Note : To commence after Principal Financing has been fully paid 

Profit Rate

Principal Financing	From BFR + 0.0% p.a. to BFR + 2.5% p.a
Subordinated Financing	2.0% p.a.

 

Collateral

Principal Financing	Charge on the asset to be financed
Subordinated Financing	Subsequent charge on the asset to be financed

Download Subordinated Financing Programme (SFP)

Subordinated Financing Programme Brochure

Product Disclosure Sheet ​​CMTF

 

For further inquiries, please contact any of our Enterprise Centres / Business Centres.