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SME Micro Financing/-i

Leveraging on BNM Funds (Micro Financing Funds) to assist the varying needs of micro enterprises

Who Can Apply

  • Sole Proprietorship, Partnership, Sdn Bhd and Private Ltd Company
  • Business complies with the National SME Development Council’s (NSDC’s) definition of Micro Enterprises as below:
    • Malaysian owned registered company with up to 4 full time workers
    • Sales turnover of less than RM300,000 annually
  • Business in operations at least 3 years


Purpose of Financing

  • Working capital

Financing Rate

  • Financing rate from 10% p.a. onwards

Financing Terms

  • Type of facility: Term Loan / Commodity Murabahah Term Financing-i (CMTF-i)
  • Loan/Financing quantum from RM20,000 to RM50,000
  • Up to 5 years loan/financing tenure
  • Security Requirement
    • Joint and Several Guarantee from all the directors (for Sdn Bhd only)
    • Corporate Guarantee (to be obtained from Parent companies, if applicable)

More info

For Bahasa Malaysia and Chinese, download brochure here

Click here for SME Micro Financing Product Disclosure Sheet

Click here for SME Micro Financing-i Product Disclosure Sheet

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