SME Bank

PEMERKASA Matching Grant (PMG) is a financing structure to assist SMEs in 3D (dirty, dangerous and difficult) sectors particularly in manufacturing, services, agriculture and construction, which have been affected by COVID-19 pandemic.

  • Acquisition of Machinery and/or Equipment
  • SMEs in 3Ds (dirty, dangerous and difficult) sectors, particularly in manufacturing, services, agriculture and construction;
  • Registered with the SSM, authorities/district offices (in Sabah and Sarawak) or statutory bodies for professional service providers;
  • Shareholding by Public Listed Companies and/or Government Linked Companies (if any) in the SMEs shall not exceed 20%;
  • Malaysians residing in Malaysia hold a minimum of 51% shareholding in the SMEs; and
  • Shariah-compliant business.
Financing Facility(ies)
  • Commodity Murabahah Term Financing-i (CMTF-i)
Financing Limit
  • Up to RM3.0 million.
  • Up to 10 years
Profit Rate
  • 4% or 5% per annum
Margin of Financing
  • Up to 100%
  • Up to 80% guarantee cover from Syarikat Jaminan Pembiayaan Perniagaan (SJPP).
    • Takaful coverage is mandatory if any 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

Any further enquiries, please contact our Customer Service Centre at 03-2603 7700