SMEBank innerpage Products

  • Contract Financing programme is a financing package based on product bundling concept of financing facilities which are already available in the Bank
  • This financing programme is for customers who are Main Contractors or Nominated Sub-Contractors having secured contract(s) from approved awarding parties mainly government ministries, departments and agencies

Purpose

  • Working Capital
  • Bank Guarantee

Eligibility

  • Applicant must be the Main Contractor or Nominated Sub-Contractor.
  • Applicant must be registered with either of the following :
    • Ministry of Finance (MOF)
    • Contractor Service Centre (PKK)
    • Construction Industry Development Board (CIDB)
    • Other relevant licensing or registration bodies

Financing Concepts

  • ​Commodity Murabahah Term Financing-i (CMTF-i)​
  • Commodity Murabahah Revolving Financing (CMRF-i)
  • Kafalah Bank Guarantee (BG)

Margin of Financing

Commodity Murabahah Term Financing-i (CMTF-i)

Commodity Murabahah Revolving Financing (CMRF-i)

Up to 100% of contract cost

Kafalah Bank Guarantee (KBG)

As per requirement by contract awarder

Financing Limit

  • Up to Single Customer Limit

Financing Tenure

  • As per contract requirements

Profit Rate

  • From BFR + 0.0% per annual  to BFR + 2.5% per annual

  • Bank Guarantee Fee: 0.125% p.m

 

Collateral

  • Minimum 30% cash collateral
  • Assignment of contract proceeds
  • Joint and several guarantees of directors/shareholders.

Download Contract Financing

 PDS icon 01

Product Disclosure Sheet

 

 

For further inquiries, please visit our nearest Enterprise Centre / Business Centre.

Our Branches

OUR OFFERINGS

MySMEBina

MySMEBina

MySMEBina is a financing programme for construction and infrastructure projects awarded by Federal Government, State Government, Government Link Companies (GLCs) and its subsidiaries.
Read More

MySMEBekal

MySMEBekal

MySMEBekal is a complete short term financing programme to supply or maintain the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.
Read More
Supplementary Renewed Facility <br />(i-SURF)

Supplementary Renewed Facility
(i-SURF)

i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.
Read More
MySMExport

MySMExport

MySMExport is your ticket to penetrate the global market and become a significant contributor to the country’s economic growth. MySMEXport financing will enable you to purchase new fixed assets, working capital or access to trade facilities with commercial banks.
Read More
  • MED agensi agensi agensi agensi agensi agensi agensi agensi agensi agensi
  • agensi agensi agensi agensi agensi agensi
Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700
customercare@smebank.com.my