Objective

Enhance access to financing at reasonable cost for For More Information:

SMEs in all economic sectors

Log on to: www. bnm.gov.my

BNMTELELINK: 1-300-88-5465
Primary
Agriculture bnmtelelink@bnm.gov.my

All
Economic
Sectors

Micro BNM’s FUND FOR SMEs

Enterprises Growing Capacities & Capabilities
of SMEs with Affordable Financing
All Economic Sectors Primary Agriculture Micro Enterprise

Criteria Criteria Criteria

Max
SMEs including Bumiputera enterprises that fulfill the SMEs involved in the primary agriculture sector that Micro enterprises that fulfill the following criteria:
Financing
following criteria: fulfill the following criteria: Rate
3.75% p.a. • Registered with the Companies Commission of Malaysia
• Registered with the Companies Commission of Malaysia (SSM), • Registered with the Companies Commission of Malaysia (SSM) (SSM), authorities/district offices in Sabah and Sarawak or
authorities/district offices in Sabah and Sarawak or authorities/district offices in Sabah and Sarawak; Max Max statutory bodies for professional service providers;
or statutory bodies for professional service providers; • Shareholders’ funds not exceeding RM5 million; Financing Tenure • Maximum shareholders’ funds not exceeding RM5 million; and
• Shareholders’ funds not exceeding RM5 million; Max • Malaysians residing in Malaysia hold a minimum of 51% RM 5m 8 Years • Malaysians residing in Malaysia that hold a minimum of 51%
• Shareholding by Public Listed Companies and Government Financing shareholding in the SMEs; and shareholding in the SMEs.
Linked Companies (if any) shall not exceed 20%; and RM 5m • Business activities must be within Malaysia.
• Malaysians residing in Malaysia hold a minimum of 51% Financing Max
Purpose Rate Financing
shareholding in the SMEs. PARTICIPATING determined RM50,000
Max FINANCIAL INSTITUTIONS by PFIs
Financing Max 1. Capital expenditures; or/and
Rate up to Tenure
5 Years Max. No
8% 2. Working Capital and 1. Alliance Bank Malaysia Berhad;
All All Tenure Collateral
2. AmBank (M) Berhad; 5 years
Commercial Commercial
and Islamic and Islamic 3. Development of agricultural 3. Bank Kerjasama Rakyat Malaysia Berhad;
Banks Banks projects: 4. Bank Muamalat Malaysia Berhad;
Purpose • primary food production, 5. Bank Pertanian Malaysia Berhad (Agrobank); Purpose
CGC CGC integrated agriculture and 6. Bank Simpanan Nasional;
processing/distribution of 7. CIMB Bank Berhad;
Development 1. Capital expenditures; or/and Development 1. Capital expenditures; or/and
food (end-to-end); and 8. Public Bank Berhad;
Financial Financial • half of the total
Institutions Institutions 9. Malayan Banking Berhad; and
2. Working Capital production is sold in the 2. Working Capital
10. United Overseas Bank (Malaysia) Berhad
domestic market.

Application procedure Application procedure Application procedure

Application must be submitted through any participating financial institutions Application must be submitted through any participating financial institutions Application must be submitted through any participating financial institutions
(PFIs) and approval will be subjected to the normal credit assessment of the PFI. (PFIs) and approval will be subjected to the normal credit assessment of the PFI. (PFIs) and approval will be subjected to the normal credit assessment of the PFI.