SFP

Subordinated Financing Programme (SFP) is a collaboration financing programme with TERAJU to provide financing to Bumiputera companies in the shortfall of project or plant/machinery cost. SFP is a two-tier financing programme in the form of Principal Financing and Subordinated Financing.

Purpose

  • For project and plant/machinery/equipment financing

Eligibility

  • Bumiputera shareholding in the Company is at least 51%
  • CEO/MD or highest management position must be Bumiputera
  • Company's investment value in the project should be at least 5% of the total financing applied

Financing Concept

  • Commodity Murabahah Term Financing-i (CMTF-i)

 

Margin of Financing

Principal Financing Up to 65% of project or asset acquisition cost.
Subordinated Financing Up to 30% of of project or asset acquisition cost or RM3.0 million, whichever is lower

 

Financing Limit

Principal Financing Up to Single Customer Limit
Subordinated Financing Up to RM3.0 million

 

Financing Tenure

Principal Financing Up to 10 years
Subordinated Financing Up to 3 years*

*Note : To commence after Principal Financing has been fully paid 

Profit Rate

Principal Financing From BFR + 0.0% p.a. to BFR + 2.5% p.a
Subordinated Financing 2.0% p.a.

 

Collateral

Principal Financing Charge on the asset to be financed
Subordinated Financing Subsequent charge on the asset to be financed

Download Subordinated Financing Programme (SFP)

Subordinated Financing Programme Brochure
 PDS icon 01

Product Disclosure Sheet

 

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

Our Branches

OUR OFFERINGS

MySMEBina

MySMEBina

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

MySMEBekal

MySMEBekal

MySMEBekal is a complete short term financing programme to supply or maintain the contract awarded by Federal Government, State Government, Government Agencies, Government Link Companies (GLC) and its subsidiaries.
Read More
Supplementary Renewed Facility <br />(i-SURF)

Supplementary Renewed Facility
(i-SURF)

i-SURF is an automatic additional financing of working capital for SME Bank’s existing customers who have collateral of property and / or Sijil Pelaburan Am Mudharabah/ Fixed Deposit charged/ pledged to the bank and have shown good repayment records.
Read More
i-Pembiayaan Premis Perniagaan

i-Pembiayaan Premis Perniagaan

With i-3P, you can purchase or refinance business premises and at the same time secure working capital for your business growth.
Read More
  • MED agensi agensi agensi agensi agensi agensi agensi agensi agensi agensi
  • agensi agensi agensi agensi agensi agensi