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. 

Purpose

  • Working Capital
  • Bank Guarantee

Eligibility

  • 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

  • Commodity Murabahah Revolving Financing-i (CMRF-i)
  • Kafalah Bank Guarantee (BG)

 

Margin of Financing

CMRF Up to 100% of contract cost.
BG As per requirements by contract awarder

 

Financing Limit

  • Up to RM1.0 million

Financing Tenure

 

CMRF-i Up to 18 months
BG fee As per requirement by contract awarder

Profit Rate

CMRF-i 1.5% p.m
BG Fee 0.125 p.m

 

Collateral

  • 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

OUR OFFERINGS

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

Tel: +603 2603 7700
customercare@smebank.com.my