BAP is a collaborative effort program with SME Corp. Malaysia with the objective of providing financial assistance to SMEs. It is to assist SMEs in strengthening their core business, building capacity and capability, and facilitating access to financing.

Program Features


  • Financing of Fixed Asset
  • Financing of Working Capital

Margin of Financing

  • Up to 90%


Financing Amount

Minimum Financing RM50,000*
Maximum Financing RM1,000000*


Profit Rate

  • 4% per annum

Financing Tenure

Purchase of assets Up to 10 years including grace period*
Working capital Up to 7 years including grace period*



  • Applicant must be Small & Medium Enterprise (SME).
  • Companies/Businesses with qualifying rating of SCORE 2 or higher.
  • Company must be at least 60% owned by a Malaysian during the period of financing.
  • Full time business operator.
  • Companies/Businesses with at least 6 months in operation.

Financial Aspect

  • The company is solvent
  • 3 years latest Audited Account
  • For sole proprietor/partnership, the latest management account is acceptable.*


*Terms and conditions apply


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