i-SPLASH is a special contract financing scheme to finance short term direct supply contract (with no value added process involved). It is an affordable and complete financing package that requires no collateral. It offers working capital financing and bank guarantee to support contractors to perform and deliver the project within the stipulated contract period.


  • Combination of working capital financing and bank guarantee
  • No collateral
  • Fast approval
  • No processing fee, only 0.10% facility fee
  • Financing amount from RM50,000 up to RM1.0 million (including Kafalah Bank Guarantee)
  • Competitive Profit Rate as low as 1.00% to 1.50% per month for working capital financing and service charge of 0.125% per month or minimum of RM100.00 for bank guarantee


Salient Features

Purpose of Financing

  • To finance direct supply contracts awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLCs) and its subsidiaries.


  • Applicant must be Small & Medium Enterprise with good credit records.
  • Obtained direct supply contract of finished products including goods and equipments such as food, clothing, vehicle, machinery & equipment (including installation, commissioning, testing and training) and office equipment.
  • Contract awarder must be Federal Government, State Government, Government agencies, GLCs and its subsidiaries.
  • The contract period is short term i.e not more than 12 months.



Kafalah Bank Guarantee For Performance Bond as required in the contract and/or bank guarantee as required by supplier.
Bai’ Dayn For working capital requirement (post-shipment financing).


Margin of Financing

Kafalah Bank Guarantee 100% of bank guarantee amount required by contract awarder and / or supplier
Bai’ Dayn Up to 80.0% of contract value or 90.0% of the actual contract cost or the supplier invoice, whichever is lower



Kafalah Bank Guarantee As per requirement by contract awarder and/or supplier.
Bai’ Dayn Up to 180 days repayment period


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