i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.


  • Pre approval given to selected customers (subject to financing amount and approving authority)
  • Financing amount up to RM3.0 million
  • Competitive pricing
  • No processing fees
  • No additional collateral


Salient Features


Purpose of Financing

  • To finance working capital (inclusive of legal fees, stamping fees and document registration cost)



  • Existing customer of SME Bank
  • Paid at least 30% of the existing scheduled repayment facilities
  • Repayment record for last 12 months has shown aging of not exceeding one (1) month
  • Still under SME status
  • Posses existing collateral in form of property and/or Sijil Pelaburan Am Mudharabah / Fixed Deposit
  • No records of restructuring / reschedule during the financing period
  • Company / firm is solvent



  • Bai’ Inah for working capital


Financing Limit

  • Original approved amount MINUS outstanding amount of existing facilities and undisbursed amount, or maximum of RM3.0 million, whichever is lower


For further inquiries, please contact any of our Enterprise Centres / Business Centres.

Our Branches


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