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Jaguh Serantau

Jaguh Serantau is a financing programme to support Bumiputera SMEs with the potential to become regional champions by offering all types of financing as determine by SME Bank with a profit rate subsidy of 1.5% per annum by the Government.


Purpose

  • Asset acquisition
  • Working Capital

Eligibility

  • Small and Medium Enterprises (SMEs) as defined by SME Corporation Malaysia (SME Corp) including Large Enterprise.
  • Shariah compliant business.
  • Product or services offered are having presence regionally or export-ready for regional market. 
  • The Company has been in operations for at least two (2) years.
  • Minimum 5% annual revenue growth and profitable for the last two (2) years of operation (except for the financial year ended 2020 and 2021, which were adversely affected by the COVID-19 pandemic period/ Movement Control Order).

Financing Facility(ies)

  • Commodity Murabahah Term Financing-i (CMTF-i)
  • Ijarah Thummal Bai' (ITB) Financing

Financing Limit

  • Minimum : RM100,000.00
  • Maximum : RM10.0 million

Profit Rate

  • From BFR – 1.0% per annum to BFR + 2.5% p.a (net after 1.5% subsidy)

Margin of Financing

  • Plant / Machinery / Equipment : 
    • New : Up to 80%
    • Used / Refurbish / Recond : Up to 70%
  • Boiler / Crane
    • New : Up to 80%
    • Used / Refurbish / Recond : Up to 70%
  • Vehicle
    • New : Up to 90%
    • Used / Refurbish / Recond : Up to 70%
  • Renovation
    • Owned premise : Up to 70%
    • Rental premise : Up to 50%
  • Land : Up to 80%
  • Building : Up to 90%
  • Working Capital :  Up to 100%

Financing Tenure

  • Machinery / Equipment
    • New : Up to 7 years
    • Used / Refurbish / Recond : Up to 5 years
  • Renovation
    • Owned Premise : Up to 7 years
    • Rental Premise : Up to 5 years
  • Plant / Boiler / Crane : Up to 10 years
  • Land / Building : Up to 20 years 
  • Working Capital :  Up to 5 years

Collateral

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

Takaful

  • 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

High Tech & Green Facility (HTG)

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Designed to help SMEs and innovative start-ups to grow their businesses and invest in strategies and technologies fields for a sustainable and entrenched economic recovery.

Social Enterprise Financing Scheme

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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.

SME Technology Transformation Fund (STTF)

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