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  • 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


  • Working Capital
  • Bank Guarantee


  • 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

  • Revolving Credit-i
  • Kafalah Bank Guarantee (BG)

Margin of Financing

Revolving Credit

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



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

Download Contract Financing

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Product Disclosure Sheet



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

Our Branches

Applying for business financing is now easier with MySMEBank online application

Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700