+603 2603 7700


BizCashPlus is a financing programme aimed to assist Micro, Small and Medium Enterprises (MSMEs) for working capital requirement.


  • Working Capital


  • Micro, Small and Medium Enterprises (MSMEs) as defined by SME Corporation Malaysia (SME Corp).
  • Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities / district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
  • Minimum of 51% Malaysian equity ownership and 51% Malaysian directorship.
  • At least 3 years from the date of application (including conversion / upgrade from Sole-proprietor and Partnership under similar business activity).
  • Shariah-compliant business.

Financing Facilities

  • Commodity Murabahah Term Financing-i (CMTF-i)

Financing Limit

  • Minimum: RM100,000.00
  • Maximum: RM1.0 million

Profit Rate

  • Minimum: BFR + 0.0% p.a
  • Maximum: BFR + 2.0% p.a

Margin of Financing

  • Working capital: Up to 100%

Financing Tenure

  • Up to 5 years


  • Guarantee cover from Syarikat Jaminan Pembiayaan Perniagaan (SJPP).
  • Personal guarantees / joint and several guarantees / corporate guarantees.


  • Takaful coverage is mandatory if the asset is given as security for the financing (if applicable). You have the option to select the service offered by our panel Takaful operators or non-panel Takaful operators.

Product Disclosure Sheet


Any further enquiries, please contact our Customer Contact Centre at 03-2603 7700 or email

Social Enterprise Financing Scheme


Financial assistance aimed at Basic Social Enterprises and Accredited Social Enterprises recognised by Kementerian Pembangunan Usahawan Dan Koperasi (KUSKOP) to finance the acquisition of asset and/or working capital requirements.

SME Technology Transformation Fund (STTF)


Expand your business through the adaption of technology & digital and automation with STTF.