Accelerating the active participation of SMEs in global markets

Today companies compete not only with each other within an industry nationwide, but it also competes with companies across industries globally. In short, it does not really matter whether you are a national market leader today. What matters is that alternatives and substitutes are being produced everyday around the world and in making purchase decisions, customers consider these differences (whether it is in price or perceived value) before supporting or rejecting a product or service. Although success in international markets requires that a company first performs well in a domestic market, whether or not a customer buys or not buys a product or service would depend on the competitiveness of market players in any one market - be it local or international.

However as a relatively small market, high-growth Malaysian companies have little choice but to expand operations into global markets where entrepreneurial spirit needs to be replaced with the commitment and capacity to grow - either through franchise operations - or other international market growth strategies. If you are ready to take this leap into export-oriented activities, the SME Global fast tracks your international business growth. To increase national productivity and competitiveness, it is one of the key thrusts of the Ninth Malaysia Plan that Malaysia expands its market for homegrown products and services through the generation of knowledge-intensive and skills-based capabilities. The SME Global - a product offered in close collaboration with our strategic partners - may be the right product for you.

SME Classification	Small	Medium
SME Profile	Applies only to Small and Medium-sized Enterprises (Annual turnover of between RM1 million to RM25 million in the manufacturing sector and between RM1 million to RM5 million in the services sector). High growth companies ready to expand and export internationally with minimum 25% annual export sales in the manufacturing and manufacturing-related services, selected services and priority growth sectors and industries as outlined under the Ninth Malaysia Plan. Indirect exporter and traders supplying goods and services to direct exporters. Exporters and traders exporting products/services directly to overseas markets. Malaysian company or Malaysian controlled company (at least 51% local shareholding) exporting to foreign markets.
Eligibility	Domestically-established companies with the products, services and/or capacity to compete effectively in the international market. ICT companies with patented and/or patent pending products, services and/or solutions in target international market(s). Companies involved in export of consultancy services, product research and development with regional headquarters located in Malaysia. Government/Non-Government SME export and global support programmes. Manufacturers, traders and service providers to MNCs (multinationals) and large corporations in Malaysia and worldwide. Service providers in global IT services, shared services and business process outsourcing (BPO) and tourism services. Companies involved in trading activities for homegrown goods and content.

The SME Global is unique in that through the collaborative offering with our strategic partners, the product focuses on the evaluation, growth and promotion of internationalising business. Together with our partners, the SME Bank will assess the export potential of your business and help you with the financing and the development of your export business when you are ready to expand your operations overseas.

Special Funds

In addition, we may also be able to match your global business development requirements with the appropriate dedicated funds or programmes which are being channeled through the strategic partners and the SME Bank. The main criteria are the export viability and the readiness of your business for international market production and/or distribution. Depending on the business stage at which international business development interest is registered, you may also be eligible for our other SME products such as the SME Franchise, an alternative growth option for companies seeking to accelerate operations either regionally or internatiaonally. Again, our officers will be able to direct you to our other products on application.

SME Classification	Small	Medium
Type of Financing	Conventional and Islamic	Conventional and Islamic
Facilities	Term Loan Revolving Loan IHP / Leasing BG / Letter of Credit Factoring Loan Stock	Term Loan Revolving Loan IHP / Leasing BG / Letter of Credit Factoring Loan Stock
Limit of Financing	Up to RM25 million	Up to RM50 million (subject to single customer limit)
Interest Rates	Competitive rates subject to terms of funds and risk ratings where applicable
Tenure	Up to a maximum of 15 years subject to assets financed Working capital up to 5 years, subject to annual review Up to a maximum of 3 years grace period
Method of Repayment	Monthly, Quarterly, Fixed or contract terms
Processing Fee	0.25% of approved loan

The Support Services

To ensure that your export planning and growth path is effectively managed, the SME Bank and its strategic partners will route you to the appropriate expert or service provider at point of application. Should you have a potential global product, service or solution, you may want to consider entering the export market as a growth option. In addition to offering you financing for international operations, the SME Bank will also work closely with our partners to source business matching opportunities and international linkages to help you evolve your domestic business into an export-driven model.

As a financial services institution, the delivery of these integrated SME services requires the participation and commitment of a large network of national partners and service providers. With the SME Global, the SME Bank is hoping to support the growth of export-oriented SMEs through the expertise of its partners and other government agencies. The following are the business export and international market development services which the SME Bank and its network of partners offer.

SME Classification	Small	Medium
Business Advisory	Business Plan Evaluation Business / Service Expertise Industry Expertise   Technical Expertise   Financial Analysis Market Opportunity Identification Performance Review / Growth Monitoring Business Rehabilitation / Recovery	Business Plan Evaluation Business / Service Expertise Industry Expertise Technical Expertise Financial Analysis Intellectual Property and Trademark Protection Market Opportunity Identification Product / Service Certification Packaging and Visual Identity Design Branding and Marketing Management Performance Review / Growth Monitoring Business Rehabilitation / Recovery
Knowledge Sharing	International Industry / Market Research Government/Non-Government SME export and global support programmes International Business Matching Opportunities

 Note: Terms and conditions are subject to review and changes by the Bank