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.


  • For project and plant/machinery/equipment financing


  • 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.



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
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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