ScaleUp SME
From day-to-day operations to long-term growth, Maybank ScaleUp SME gives you the tools, financing, and expert support to run efficiently, expand confidently, and stay ahead — with SME solutions designed for every stage of business.
Essentials
Payments
Collection
Financing
Partner Tools
Sustainability
& Advisory
& Advisory
SME Lite
For Micro SMEs to start their business
SME Up
For Small SMEs to expand their business
SME Top
For Medium SMEs to lead their industry
Working Capital Financing
Secure the cash flow you need with working capital financing, available in both secured and unsecured options.
SME Digital Financing
Flexible financing for businesses of all sizes.
- For businesses with minimum 1 year in operation
- Approval in 10 minutes for financing up to RM500,000
Financing Amount:
From RM3,000 up to RM20,000,000
Financing Tenure:
- Up to 7 years
- Up to 25 years / Revolving (depending on facility type)
- Financing supported by CGC / SJPP guarantee schemes
HERpower
Exclusive financing package for women-led businesses.
- For businesses with minimum 1 year in operation
- Approval in 10 minutes* & same-day cash disbursement
Financing Amount:
From RM10,000 up to RM1mil
Financing Tenure:
Up to 7 years
Working Capital
Burst of cash for growth - based on your business capacity.
- Various financing options
- Tailored to business needs
Financing Amount:
Up to RM20 mil
Financing Tenure:
Up to 10 years
Property & Business Financing
Finance your property purchases with higher advance margins, working capital flexibility, and the option to add energy-efficient tools and appliances.
SME Property & Business Financing
Purchase business property and get extra funds for your business growth.
- Business property with extra funds up to 150% MOA
- Promotional rates as low as BFR -2.90% for the 1st year
Financing Amount:
Up to RM20 million
Financing Tenure:
Up to 25 years
SME Online Property Business Financing
Secure a property for your business, approval in 24 hours.
- Hassle-free fully-online application
- Minimal documentation required
Financing Amount:
Up to RM3 million
Financing Tenure:
Up to 25 years
Trade Financing
Support your imports, exports, and contract obligations with trade financing that ensures liquidity and keeps your operations running without delays.
Trade Financing
Financial solutions to ease your business cash flow with potential savings in international and domestic trade.
- Invoice Financing/-i
- Bank Guarantee/-i
- Bankers Acceptance/-i
- Letter of Credit/-i
- Foreign Exchange Contract / Promissory Foreign Exchange/-i
Financing Amount:
From as low as RM20,000
Financing Tenure:
Up to 12 months
ESG Financing
Access funds to support your business’s sustainable growth.
High Tech & Green Financing/-i
A financing option designed for SMEs and start-ups to grow and invest in key areas like digital tech, green tech and biotech.
- High financing amount
- For working capital and CAPEX
Government Guarantee Scheme MADANI/-i 2.0
Designed to offer financial support for working capital and capital expenditure - available across all business sectors.
- High financing amount
- Eligible for all sectors
Low Carbon Transition Facility/-i
Support for Malaysian SMEs to transform their business into low carbon operations by adopting sustainable practices.
- Effective rate 5.0% p.a
Maybank HERpower
Exclusively for women-led businesses, offering tailored solutions and tools to thrive.
- Only RM100 to open a business account
- Special financing rate
- 6 months complimentary accounting solutions subscription
SME Micro Loan/ Financing/-i
Fully-online-application financing to meet your micro enterprise's business needs.
- Financing of up to RM100,000
- Available 24/7 via online platform
- No collateral required
Maybank SME Incubation Programme
Powered by Funding Societies, it is an alternative financing solution aiming to help your business move forward and ensure no business is left behind.
- Fast & Easy: Fully online, hassle-free application.
- Short-Term Financing: Tenures up to 18 months, suited to your cash flow.
- No Collateral: No asset pledge required.
Partners:
- Funding Societies
Energy & Resource Optimisation
Solutions that help your business save energy, repurpose materials, and operate more efficiently.
Solar for Business
Solar energy solutions to increase your business efficiency and savings.
- Reduce energy expenses
- Benefit from tax incentives, rebates, and access to green financing
- Enhance your brand image and attract sustainability-driven customers and investors.
Partners:
- GSPARX
- Solaroo
- PLUS XNERGY
- YONGYANG SOLAROOF
- Buysolar
Turn Business Waste into Profit
Circular solutions to maximise resource value and minimise waste.
- Monetise surplus materials, by-products, or unused inventory
- Lower waste disposal and storage costs through circular strategies
- Strengthen ESG profile and build valuable business connections
Partners:
- The Surpluss
Energy Efficient Appliance for Business
Energy-efficient appliances to lower costs and boost sustainability.
- Reduce electricity expenses with efficient, business-ready upgrades
- Optimise energy use and improve operational performance
- Support carbon reduction goals and align with sustainability standards
Partners:
- Samsung
Energy Audit & Consultation
Energy audits to cut costs and drive smarter energy use.
- Uncover energy inefficiencies and reduce electricity expenses
- Get expert recommendations tailored to your business setup
- Advance your ESG goals by supporting low-carbon operations
Partners:
Business Improvement
Build a future-ready business with a strong sustainability foundation. Access certified standards, practical guides, reporting assistance, and resources to strengthen operations, drive growth, and create lasting value.
Maybank Sustainability-Linked Loan Programme
A general financing that rewards businesses with better loan terms for achieving measurable environmental and social targets, making the path to sustainability simple and financially viable.
- Tap into our network of partners to enhance your sustainability practices
- Receive expert advice in selecting relevant Key Performance Indicators (KPIs)
- Save time and resources with a pre-defined list of Sustainability Performance Targets (SPTs) developed by Maybank
- Receive financial incentives for establishing and verifying your baseline sustainability metrics, and achieving annual SPTs
Partners:
- Carbon Next
- Chemsain
ESG Consultation Services
ESG advisory support to strengthen compliance and reputation.
- Get practical guidance to build a clear, actionable ESG plan
- Ensure alignment with Malaysian regulations and global standards
- Enhance transparency, governance, and stakeholder trust
Partners:
- SIRIM
- MGTC
ESG Training Courses
Equip your business with practical ESG skills through structured training designed to help SMEs build sustainable practices, meet compliance, and stay competitive in evolving markets.
- Understand ESG fundamentals and their relevance to business strategy
- Gain insights into global standards, reporting frameworks, and buyer expectations
- Learn how to integrate ESG practices into day-to-day operations for long-term value creation
Partners:
- SIRIM
ESG Tools & Support
Measure your environmental impact and evaluate your business' readiness to adopt sustainable practices.
Carbon Calculator
Fill in details about your business and receive a personalised carbon footprint report.
Get an estimate of your:
- Energy intensity
- CO2 emissions equivalent to number of trees, petrol-powered cars driven for a year and more
ESG Readiness Test
A test to see if you are a beginner or advanced Environmental, Social & Governance (ESG) practitioner.
Your assessment results include:
- Tips on setting goals and driving initiatives
- Potential collaboration partners
- Types of ESG consultation to seek
ESG Incentives
Access exclusive incentives from the government and Maybank collaborations to support your growth.
ESG Grants & Incentives
Access financial assistance options to implement sustainable practice.
- Lower your ESG implementation costs through grants and incentives
- Fuel sustainable growth with affordable ESG support
Our Partners
Access expert insights, innovative solutions, and broader networks to help you stay ahead.
SIRIM
Gain access to expert insights on
- Quality assurance
- Innovation support
- Certification
- Consultancy
Enjoy an exclusive discount of up to 20% on certification fees.
Access up to 50% matching grant (capped at RM500,000) for eligible business.
SIRIM Smart Tech Up
This initiative by SIRIM offers eligible businesses up to 50% grant (initiative capped at RM500,000) designed to accelerate technology adoption and growth for Malaysia SMEs.
Through this partnership, Maybank will provide tailored financial support needed to adopt smart technologies, automation and sustainable solutions for long term success.
Benefits of Maybank x SIRIM Smart Tech Up
- Access to up to 50% matching grant (capped at RM500,000)
- Tailored Maybank Financing to remaining project cost (subject to eligibility)
- End-to-end support for your digitalization and sustainable journey
PERBADANAN USAHAWAN JOHOR SDN BHD
Support for Local Entrepreneurs
Designed to empower Johor-based SMEs and entrepreneurs with resources that drive innovation and competitiveness in local and regional markets.
Unlock Business Opportunities
Leverage joint initiatives, programs, and networking platforms under PUJB to connect with new partners, clients, and growth opportunities.
Dedicated Advisory & Guidance
Access to financial advisory and support from Maybank, complemented by PUJB’s ecosystem, to guide SMEs in scaling sustainably.
SME Networking Schedule
Participate in our curated events and gain the opportunity to connect with experts, explore innovative solutions, and expand your networks to future-proof your business.
FIND OUT MORE
Halal2u
Halal certification doesn’t have to be complicated or costly. With our expert support and step-by-step guidance, you can navigate requirements confidently. Manage documents through a seamless digital platform and secure JAKIM certification with ease — all with no upfront cost.
- Expert Guidance:
Step-by-step support from Halal experts to ensure a smooth, hassle-free certification. - Zero Upfront Cost:
Get Halal certification with no initial fees. - Halal Assurance System:
Effortlessly manage supplier records and maintain compliance. - Access to Salaam Market:
Source Halal-certified products at competitive prices through the Salaam Market platform. - Business Growth:
Unlock opportunities for increased revenue and market reach.
Learn More
Financial Relief
Maybank Financial Relief
Your financial well-being matters to us. Our relief solutions are here to ease business pressures and help you weather challenges.
Agensi Kaunseling & Pengurusan Kredit (AKPK)
In collaboration with AKPK (Agensi Kaunseling dan Pengurusan Kredit), we offer tailored financial support through the Small Debt Resolution Scheme (SDRS) and Debt Management Programme (DMP).
- Small Debt Resolution Scheme (SDRS)
If you're having difficulty with your current financing, we can help by adjusting your repayment terms or even offering new financing—if you're eligible. - Debt Management Program (DMP)
AKPK financial advisors will be assigned to you to develop a personalised repayment plan that’s worked out together with your Bank.
Highlights
Maybank Beyond Borders
Take your business to greater heights by expanding beyond Malaysia’s borders.
Women Entrepreneur Podcast
Watch our exclusive interview with Deputy Head of Commercial Banking/Head of SME Banking Maybank, Switch Co-Founder, and Director of Tudung People.
Customer Testimonials
Maybank customers share their inspiring stories of financial growth and success through personalised banking solutions.
