+603 2603 7700


HalalBiz is a financing programme to encourage participation of MSMEs in the Halal industry ecosystem in Malaysia.


  • Asset acquisition – Machinery / equipment;
  • Factory renovation cost; and/or
  • Working Capital requirement including Halal certificate cost expenses


  • Micro, small and medium enterprise (MSMEs) as defined by SME Corp, including Cooperative.
  • Registered with Suruhanjaya Syarikat Malaysia (SSM), or authorities / district offices (for Sabah and Sarawak), or statutory bodies for professional service providers.
  • Shariah-compliant business with Halal certification from JAKIM or any other religious authority authorised by JAKIM. For companies without Halal certification, they must obtain Halal Certification from JAKIM or any other religious authority authorised by JAKIM within 24 months from the 1st disbursement date, of which, the submission must be made within the first 12 months.
  • Minimum 2 years in operation, including commencement of the business by the previous owner or conversion/upgrade from Sole Proprietorship or Partnership.

Financing Facilities

  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Ijarah Thummal Bai` (ITB) Financing
  • Revolving Credit-i (RC-i)
  • Cash Line-i (CL-i)

Financing Limit

  • Minimum: RM100,000.00
  • Maximum: RM1.0 million

Profit Rate

  • 5.0% p.a.

Margin of Financing

Purpose Margin
Machinery / Equipment Acquisition (including installation cost)
  • Up to 80% (Brand New)
  • Up to 70% (Used / Refurbish / Recon / Rebuilt) 
Factory Renovation Cost
  • Up to 90%
Working Capital Requirement
  • Up to 100%

Financing Tenure

  • Asset acquisition: 7 years
  • Working capital: 5 years


  • Any collateral acceptable by the Bank as per SME Bank's policy.
  • Personal guarantees / joint and several guarantees.


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.

Product Disclosure Sheet

Any further enquiries, please contact our Customer Contact Centre at 03-2603 7700 or email

SME Technology Transformation Fund (STTF)


Expand your business through the adaption of technology & digital and automation with STTF.

Jaguh Serantau


A financing programme to support Bumiputera SMEs with the potential to become regional champions.

Social Enterprise Financing Scheme


Financial assistance aimed at Basic Social Enterprises and Accredited Social Enterprises recognised by Kementerian Pembangunan Usahawan Dan Koperasi (KUSKOP) to finance the acquisition of asset and/or working capital requirements.