Bank Muamalat Malaysia Berhad » Commercial Banking
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Commercial Banking

Whether you’re starting out or an established business, we can help you manage your business.
Available fund for Commercials

Skim Jaminan Mara
(SJUM)

Skim Jaminan Mara

Skim Jaminan Usahawan MARA (SJUM) gives financial assistance to Bumiputera SMEs & Mid Size Companies (MSC) in all industries.

Financing Rate Up to BFR+1%
Tenure Up to 7 Years
Financing Size Per SME Up to RM2,000,000.00

PEMULIH Government Guarantee Scheme (PGGS)

PEMULIH government guarantee scheme gives financial assistance to SMEs & Mid Size Companies (MSC) in all industries.

Financing Rate Up to BFR=2%
Financing Size Per SME Up to RM20 million
PEMULIH Government Guarantee Scheme

High Tech and Green Facility (HTG)

High Tech Green Facility

Designed to help SMEs and innovative start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech, and biotech) for a sustainable and entrenched economic recovery).

Financing Rate to SMEs Up to 3.5% p.a. (without guarantee) or
Up to 5% p.a. (inclusive guarantee)
Financing Size Up to RM10 million
Tenure Up to 10 years

All Economics Sector
(AES)

All Economic Sector (AES) is a financing scheme established by BNM to enhance access to financing for SMEs in all economic sectors, to support growth at a reasonable cost.

Financing Rate Up to 7% p.a.
(inclusive of guarantee fee)
Maximum Financing Amount RM5 million
Maximum Tenure Up to 5 years

Penjana Tourism Financing (PTF)

Business Penjana Tourism

PTF facility support Malaysian micro, small and medium enterprises (MSMEs) in the tourism sector, by preserving their capacity and assisting them to adjust and remain viable post COVID19.

Financing Rate Up to 7% p.a.
(inclusive of guarantee fee)
Repayment Deferment Minimum 6 months
Financing Tenure Up to 7 years

Supply Chain Financing Program

Supply Chain Financing

Supply chain finance is a set of tech-based business and financing processes that lower costs and improve efficiency for the parties involved in a transaction.

Financing Rate Fixed at 5.00% to 5.2% per annum
Term Financing Up to 7 years
Minimum of RM500,000 and Maximum up to RM10 million

Vendor Financing Program
(VFP)

Vendor Financing

Vendor financing is a funding arrangement wherein a vendor assists a customer in availing finance either directly or indirectly by providing convenient financing solutions.

Security & Support Up to 70% Guarantee cover by SJPP
Tenure of MCash Financing Maximum 3 years
Tenure of LC/BG Financing As per Letter of Award / Work Order from Awarder

Commercial Property Financing (CPF)

Commercial property financing for own occupy with Mcash facility. To provide financial support for individuals and businesses looking to acquire or refinance commercial properties.

Up to 90% of property value (max RM5 million under SME)
Up to 105% of financing limit, inclusive of MCRE
Term financing up to 20 years for property
M-Cash up to 5 years (annual review)
Other Commercial Banking To Choose From
COMMERCIAL BANKING
Skim Jaminan Mara (SJUM)

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COMMERCIAL BANKING
PEMULIH Government Guarantee Scheme (PGGS)

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COMMERCIAL BANKING
High Tech and Green Facility (HTG)

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COMMERCIAL BANKING
All Economic Sector (AES)

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COMMERCIAL BANKING
PENJANA Tourism Financing (PTF)

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COMMERCIAL BANKING
Supply Chain Financing Program

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COMMERCIAL BANKING
Vendor Financing Program (VFP)

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COMMERCIAL BANKING
Commercial Property Financing (CPF)

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