SME Bank

MySMEBekal is a complete short term financing programme to supply or maintainance the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.

  • Working Capital
  • Bank Guarantee
  • SMEs with good credit records
  • Obtained supply or maintenance contract
  • Contract awarder must be Federal Government, State Government, Government agencies, GLCs and its subsidiaries
  • Contract tenure not more than 18 months.
Financing Concept
  • Revolving Credit-i
  • Kafalah Bank Guarantee (BG)
Financing Limit
  • Up to RM1.0 million
Financing Tenure
  • Revolving Credit : Up to 18 month
  • Bank Guarantee : As per requirement by contract awarder
Profit Rate
  • Revolving Credit : 1.5% p.m
  • Bank Guarantee : 0.125% p.m
Margin of Financing
  • Revolving CreditUp to 100% of contract cost.
  • Bank Guarantee : As per requirements by contract awarder.
  • 5% cash collateral for working capital
  • 20% cash collateral for Bank Guarantee
  • Assignment of contract proceeds
  • Built-up sinking fund from contract proceeds
  • Joint and several guarantees of directors/shareholders
  • Takaful/insurance coverage is mandatory iff 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

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