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 fee 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

Download MySMEBina

MySMEBina Brochure
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Product Disclosure Sheet


For further inquiries, please contact any of our Enterprise Centres / Business Centres.

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