Collaborative effort with TERAJU in financing eligible Bumiputera SME companies under TERAS and Non Teras program.

Financing Concept

  • Commodity Murabahah (Tawarruq)
  • Ijarah Thumma Bai’

Purpose & Margin of Financing

  • Assets Acquisition (consists of equipment, machinery, plant, factory building and business premise) for business expansion
  • Working Capital for business expansion

Financing limit

  • Assets Acquisition RM20 mil per company
  • Working Capital RM10 mil per company


  • Plant/Machinery/Equipment – Up to 7 years, including grace period up to 2 years.
  • Factory Building/Business Premise – Up to 30 years, including grace period of 3 years.
  • Working Capital – Up 10 years including grace period of 6 months

Profit Rate

  • From BFR + 0.5% to BFR + 0.75% per annum


  • TERAS and Non-TERAS Companies. For Non-TERAS: the business is specified under RMK11 and TPP promoted sectors.
  • Minimum 3 Star SCORE Rating by SME Corp.
  • Must not be a subsidiary of a GLC/MNC.
  • Minimum 60% Bumiputera equity.
  • CEO/MD must be Bumiputera
  • Majority of the management members are Bumiputera
  • Registered under the Companies Commission of Malaysia Act 2001.

For further inquiries, please visit our nearest Enterprise Centre. Our Branch network.  

Download Brochure