Terms & Conditions

Government-supported SME financing with profit rebate benefits.

RM5 Million Financing

2% Profit Rebate

Up to 5 Years

Syariah-Compliant

Multiple Bank Support

To provide financing assistance to eligible Malaysian SMEs, with a 2% profit rate rebate subsidised by the Government of Malaysia through participating financial institutions.

  • Total allocation: RM2 Billion
  • Based on first come, first served
  • Applicable for approved financing (2012–2013 context)
  • Subject to availability of funds
  • No subsidy if profit rate falls below 2%

Eligible uses:

  • Working capital
  • Asset acquisition
  • Business upgrading

Not allowed:

  • Non-funded facilities (e.g. bank guarantee, LC)
  • Acquisition of other businesses
  • Refinancing (with limited exceptions)
  • Affin Islamic Bank
  • Alliance Islamic Bank
  • AmIslamic Bank
  • Bank Islam
  • Bank Rakya
  • Bank Rakyat
  • Bank Muamalat
  • CIMB Islamic
  • Hong Leong Islamic
  • Kuwait Finance House
  • Maybank Islamic
  • Public Islamic Bank
  • RHB Islamic
  • HSBC Amana
  • Must meet SME definition
  • Subject to bank’s credit assessment
  • Minimum 60% Malaysian ownership
 Enterprise Size
SectorMicroSmallMedium
Manufacturing, Manufacturing-Related Services and Agro-based IndustriesSales turnover of less than RM250,000
OR full-time employees less than 5		Sales turnover between RM250,000 and less than RM10 million
OR full-time employees between 5 and 50		Sales turnover between RM10 million and RM25 million
OR full-time employees between 51 and 150
Services, Primary Agriculture and ICTSales turnover of less than RM200,000
OR full-time employees less than 5		Sales turnover between RM200,000 and less than RM1 million
OR full-time employees between 5 and 19		Sales turnover between RM1 million and RM5 million
OR full-time employees between 20 and 50

Additional Qualification

SMEs must meet at least ONE:

  • SCORE (min 2 stars)
  • MCORE (min Level 1)
  • 1-InnoCERT certified
  • Malaysian Brand certified
  • MSC Status
  • Bio-Nexus Status
  • Green Tech Certification
  • TERAJU (TeraS SMEs)
  • All Syariah-compliant business sectors
  • Includes microfinancing

Not Eligible:

  • Financial services sector
  • GLC / PLC / MNC owned companies
  • Up to 5 years OR until 31 Dec 2017
  • Ends if:
    • Loan fully repaid
    • Facility terminated
    • Becomes non-performin
  • Up to RM5 Million per SME
  • Across all banks combined
  • Amount above RM5M → no rebate applies
  • The 2% profit rebate is tax exempted under Malaysian tax regulation.