Client Charter

We strive to provide efficient and effective services to customers based on the following Client Charter :

Standard Documents Required for Financing Applications

Documents for Private Limited/Limited Company
- Form 9, 24, 44 & 49
- Form 13 & 32A [if applicable]*
- Memorandum and Articles of Association of the company [M&A]
- Copies of license / other relevant certificates [if any]
Documents for Sole Proprietors/Partnerships
- Business Registration Form.
- Partnership Agreement [if any].
- Utility Bills for the last 3 Months.
Background of Business/Shareholders/Owner/Director/Main Management Team
- Customer Networth Form and Copy of MyKad/Passport.
- Firm/Company Profile [if the Shareholder is a Corporate entity]
- Profile of the Directors and Management Team.
If the Applicant Has Been in Operations.
- Financial Statements/Audited Financial Statements for the last 3 years
- List of Trade Receivable. Value and Ageing List
- List of Trade Payable. Value and Ageing List
- Latest bank statement [for the last 6 months]
If the Applicant Has Facilities from Other Financial Institutions
- Letters of Offer
- Latest Statement of Account /Current Account
If the business premise is rented/leased land/building
- Rental or Leasing Agreement
- Waiver Letter from the Landlord
- Sublet Tenancy Agreement [if any]
If involves Third-Party Charge
- Ownership document
- Consent Letter from the Owner to allow the creation of charge on the assets.
- Valuation Report by the Bank’s Panel of Registered Valuers addressed to the Bank
If involves Third-Party Guarantor
- Personal Networth Statement to be filled in by individual guarantor
- Statutory documents and information of Corporate Guarantors (where applicable)

Note: The Bank may require additional relevant information, where necessary.

Eligibility Criteria

The shareholding structure is at least 51% owned by Malaysian
Meets Small and Medium Enterprise (SME) definition. [SME category is as defined by the National SME Development Council].
Company registered under the Companies Commission of Malaysia Act 2001 or Co-operative Societies Act 1993 (Amendment 2017)
Financing purpose or business activities must be in compliance with Shariah principles.

Additional eligibilities conditions may be imposed subject to Financing Program

Duration of Application Process, Disbursement, Discharge and Appeal

Financing Application
All our financing application will be processed and the decision thereon shall be informed within 30 working days from the date of complete information having been received by the Bank.

Notification of Decision on Financing Application
We will endeavor to notify the decision on your financing application efficiently within 4 working days from the decision date.

Disbursement Proposal
All financing disbursement applications that are completed and fulfilled the pre-disbursement conditions will be processed within 4 working days

Discharge of Facility
All matters pertaining to the Discharge of Charge and discharge of the Guarantors shall be made within 10 working days from the date of full settlement of the financing Facility.

Appeal Application
Any appeal on unsuccessful financing application shall be made within 3 months from the decision date and can be submitted in writing to the same branch. Click here for our branch location.

For further information, please contact our Call Centre at 03-26037700 during office hour.

Issuance of Statement of Account

We shall provide the Statement of Accounts / Financing Statements on yearly basis or upon request by customer.

The Client Charter will be reviewed from time to improve its effectiveness

Piagam Pelanggan

Kami bertekad untuk memberi perkhidmatan yang cekap, mesra dan jujur kepada pelanggan-pelanggan berdasarkan Piagam berikut :

Dokumen Asas untuk Permohonan Pembiayaan

Dokumen Syarikat Berstatus Sendirian Berhad / Berhad
- Borang 9, 24, 44 & 49
- Borang 13 & 32A [jika berkenaan]*
- Tatacara dan Tatawujud Urusan Syarikat [M&A]
- Salinan lesen atau sijil-sijil lain yang berkenaan. [jika berkenaan]
Dokumen Syarikat Berstatus Persendirian / Perkongsian
- Borang Pendaftaran Perniagaan.
- Perjanjian Perkongsian [jika ada].
- Bil-bil utiliti untuk 3 bulan terkini.
Latarbelakang Perniagaan / Pemegang Saham / Pemilik / Pengarah / Pengurusan Utama
- Borang Penyata Diri dan Salinan MyKad / Salinan Passport
- Profil Syarikat / Firma [jika Pemegang Saham adalah entiti korporat]
- Profil Pengarah dan Kakitangan Pegurusan Utama
Jika Pemohon telah Beroperasi
- Penyata Kewangan / Penyata Kewangan Beraudit untuk 3 tahun terakhir
- Senarai Penerima Biaya Utama. Jumlah & Umuran. [jika berkenaan]
- Senarai Pemberi Biaya Utama. Jumlah & Umuran [jika berkenaan]
- Penyata Bank terkini [untuk 6 bulan lepas]
Jika Pemohon Mempunyai Pembiayaan Dari Institusi Kewangan Lain
- Surat Tawaran Pembiayaan
- Penyata Bank / Penyata Akaun Semasa yang terkini.
Jika Menyewa / Memajak Premis Perniagaan / Bangunan
- Penjanjian Penyewaan atau Pemajakan
- Surat Pelepasan daripada Pemilik Tanah / Bangunan
- Perjanjian Penyewaan Sublet [jika ada]
Jika Melibatkan Cagaran Aset Milik Pihak Ketiga
- Dokumen Pemilik
- Surat Kebenaran untuk mencagarkan aset pemilik
- Laporan Penilaian Hartanah yang dialamatkan kepada SME Bank oleh Panel Penilai yang berdaftar dengan SME Bank.
Jika Melibatkan Jaminan Pihak Ketiga
- Borang Penyata Diri Penjamin [jika perseorangan]
- Surat Akaun Pendedahan Pembiayaan dari Jaminan Pemohon

Nota: Bank mungkin memerlukan maklumat tambahan yang berkaitan, jika perlu.

Kriteria Kelayakan

Sekurang-kurangnya 51% saham syarikat dimiliki oleh warganegara Malaysia.
Memenuhi definisi Perusahaan Kecil dan Sederhana.
Syarikat berdaftar di bawah Akta Suruhanjaya Syarikat Malaysia 2001 atau Koperasi 1993 (Pindaan 2007).
Tujuan pembiayaan dan aktiviti perniagaan hendaklah mematuhi prinsip Shariah.

Nota: Kelayakan lain mungkin dikenakan tertakluk kepada Program Pembiayaan