Business Loan


Maybank Penjana SME Financing (PSF)

  • Malaysian SME adversely affected by COVID-19

  • Registered with the Companies Commission of Malaysia (SSM)/authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers.

  • A Malaysian-controlled company and Malaysian-owned business (at least 51% shareholding)

  • New and Existing customer to the Bank

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Affin Bank PENJANA SME Financing Scheme (PSF)

  • Malaysian Small and Medium Enterprises (SMEs) as defined by National SME Development Council (NSDC).

  • Malaysian-controlled entity with at least 51% shareholding.

  • Working capital financing up to RM500,000

  • Term financing up to 60 months

  • 3.50% per annum


CIMB PENJANA SME Financing Scheme


  • Up to RM500,000 per eligible SME

  • Maximum tenure of up to 5 years.

  • Maximum interest/profit rate of 3.50% p.a

  • Subject to CIMB’s assessment and criteria.


Businesses classified as SME, as defined by SME Corporation Malaysia

MDV Technology Start-ups Funding Relief Facility

Facility Type: Cashline with semi-annual roll-over

Financing Rate: Up to 3.50% p.a.

Financing Tenure: Up to five (5) years subject to annual review

Financing Limit: Up to RM2.5million.

Warrant Cover: Up to 10% of financing limit at last funding round equity price

Security*: Personal guarantee and debenture

Fees & Cost*: No additional fees and costs. Legal fees can be drawn down from the facility


SME Go is part of the Government’s economic stimulus package specifically to assist contractors who have been awarded a contract from Federal or State Governments, Ministries, Departments or Agencies. The contract will be financed by SME Bank via:

  • MySMEBina for construction or infrastructure contracts and/or

  • MySMEBekal for supply or maintenance contracts.

  • Working capital: Up to 100% of the contract cost.

  • Advance Payment Guarantee (APG) : 25% of the contract value or RM100,000, whichever is lower.

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Penang State Government - SKIM PINJAMAN HARAPAN

A micro-loan scheme for small and medium enterprises of up to RM10,000 will be offered without interest, with a six-month repayment schedule.

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