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Calling all Indian entrepreneurs!. Looking to grow your business? Or maybe that extra working capital that will take your business to the next level?

Turn your dreams and ideas into reality through SME Banks’ My Seed SME Scheme (MYS3) financing programme, a product specially for aspiring entrepreneurs from the Indian community.

Purpose

  • For machinery/equipment
  • Working Capital

Eligibility

  • Registered under the Companies Commission of Malaysia Act 2001 or Co-operative Societies Act 1993 
  • SME Corp's SCORE 3 rating and above
  • The Company is at least 51% Indian equity ownership with good credit records
  • Financially solvent
  • The Company is involve in the Government promoted industries & sectors
  • The Company has been in operations for at least two (2) years.

Financing Concept

  • ​Commodity Murabahah Term Financing-i (CMTF-i)​
  • Commodity Murabahah Revolving Financing (CMRF-i)
  • Ijarah Thummal Bai (ITB)

Margin of Financing

Machinery/equipment Up to 80%​
Working Capital Up to 100%

Financing Limit

Minimum RM1 million
Maximum RM5 million

Financing Tenure

Machinery/equipment Up to 7 years
Working Capital

Profit Rate

  • BFR + 1.5% p.a.

Collateral

  • Minimum 20% cash collateral
  • Joint and several guarantees of directors/shareholders

Download My Seed SME Scheme (MYS3)

My Seed SME Scheme (MYS3) Brochure
Product Disclosure Sheet

 

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.
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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.
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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
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Contact Us:
Menara SME Bank,
Jalan Sultan Ismail,
50250 Kuala Lumpur

Tel: +603 2603 7700