SME Bank

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

  • Working Capital
  • Bank Guarantee
  • SMEs with good credit records
  • Obtained contract of construction, civil, mechanical, engineering, landscaping and other simple 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)
Margin of Financing
  • Revolving Credit : Up to 100% of contract cost.
  • BG : As per requirements by contract awarder
Financing Limit
  • Up to RM1.0 million
Financing Tenure
  • Revolving Credit : Up to 18 months
  • BG : As per requirement by contract awarder
Profit Rate
  • Revolving Credit : 1.5% p.m
  • BG Fee : 0.125 p.m
  • 5% cash collateral for working capital
  • 20% cash collateral for BG
  • Assignment of contract proceeds
  • Built-up sinking fund from contract proceeds
  • Joint and several guarantees of directors/shareholders
  • 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

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