SME Bank

IBS Promotion Fund  2.0 provides financial assistance to support eligible Industrial Building System (IBS) contractors up to G7, manufacturers and installers IBS certified projects or possess IBS certification from Construction Industry Development Board (CIDB).

  • Factory acquisition (including land).
  • Plant / machinery / equipment acquisition (including installation cost).
  • Plant and factory renovation cost.
  • Working Capital requirement including financing of guarantee fee, documentation and stamp duty fees, and Takaful contribution (if applicable).
  • Micro, small and medium enterprises as defined by SME Corp.
  • Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities/district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
  • Contractors, manufacturers and installers who have been awarded IBS certified projects or possess IBS certification from CIDB.
  • The Company has been in operations for at least two (2) years.
  • Malaysian owned companies with minimum of 51% equity by Malaysian.
Financing Facility(ies)
  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Revolving Credit-i (RC-i)
  • Cash Line-i (CL-i)
  • Ijarah Thummal Bai’ Term (ITB) Financing
Financing Limit
  • Minimum : RM500,000
  • Maximum : RM10,000,000
Profit Rate
 Year 1 - Year 7  Year 8 - Year 10
 BFR + 0.0% p.a (net of subsidy of 1.5% p.a) BFR + 1.5% p.a 


Margin of Financing
  • Working Capital :  Up to 100%
  • Factory Acquisitions (including land): Up to 90%
  • Plant and Factory Renovation cost: Up to 90%
  • Plant / Machinery / Equipment (including installation cost)
    • Brand New : Up to 90%
    • Used / Refurbish / Recond :Up to 80%
Financing Tenure
  • Working Capital :  Up to 5 years
  • Factory Acquisitions (including land) : Up to 15 years
  • Plant and Factory Renovation cost : Up to 7 years
  • Plant / Machinery / Equipment (including installation cost)
    • Brand New : Up to 7 years
    • Used / Refurbish / Recond : Up to 5 years
  • Any collateral acceptable by the Bank as per SME Bank policy.
  • For higher margin of financing, minimum 70% guarantee coverage from Syarikat Jaminan Pembiayaan Perniagaan (SJPP) is required.
  • Personal guarantees / joint and several guarantees.
  • Takaful/insurance 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.
Fees & Charges

Click here for Fees & Charges

Product Disclosure Sheet