SME Bank

Social Enterprise Financing Scheme (SEFS) is a financial assistance aimed at Basic Social Enterprises and Accredited Social Enterprises recognized by Kementerian Pembangunan Usahawan Dan Koperasi (KUSKOP) to finance the acquisition of asset and/or working capital requirements.

  • Machinery / equipment acquisition
  • Working Capital requirements including financing of guarantee fee, documentation and stamp duty fees, and Takaful contribution (if applicable)
  • Micro, Small and Medium Enterprises (MSMEs) as defined by SME Corporation Malaysia (SME Corp).
  • Registered with KUSKOP as Basic Social Enterprise and/or Accredited Social Enterprise with documented evidence.
  • The Company has been in operations for at least one (1) year.
Financing Facility(ies)
  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Cash Line-i (CL-i)
  • Revolving Credit-i (RC-i)
  • Ijarah Thummal Bai’ Term (ITB) Financing
Financing Limit
  • Minimum : RM100,000.00
  • Maximum : RM500,000.00
Profit Rate
  • 4.0% fixed per annum
Margin of Financing
  • Machinery / Equipment : 
    • New : Up to 80%
    • Used / Refurbish / Recond : Up to 70%
  • Working Capital :  Up to 100%
Financing Tenure
  • Machinery / Equipment : 
    • New : Up to 7 years
    • Used / Refurbish / Recond : Up to 5 years
  • Working Capital :  Up to 5 years
 Purpose of Financing Description
 Machinery / Equipment Specific debenture on asset being financed. 
 Working Capital 5% cash collateral to be deducted from the approved financing amount prior to utilization of the facility.


  • 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