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PERBADANAN NASIONAL BHD (PNS)

Perbadanan Nasional Berhad (PNS) is an agency owned by the Ministry of Finance Incorporated (MOF Inc.) with the mandate to lead the development of Malaysia’s franchise industry. PNS aims to develop the franchise industry while increasing the number of franchise entrepreneurs through its expertise in providing quality service and products.

PNS plays a role in spearheading the growth of the country’s franchise industry in order to fulfill their goal of producing more franchise entrepreneurs in the business world. One of the main objectives of PNS is to develop local products and market them abroad. PNS also provides guidance and special schemes for franchisors and franchisees and welcomes franchise partners to Malaysia.

Based at the Menara PNS, Bangsar South City, PNS also has five corridor offices which are the PNS Eastern Regional Office, PNS Northern Regional Office, PNS Southern Regional Office, PNS Sabah Regional Office, and PNS Sarawak Regional Office which are ready to carry out their duty in producing more franchisors and franchisees of international level.

Financing for Franchisor

  • Pre-Franchise Scheme
  • Franchisor Financing Schemes
  • Pembangunan Produk Francais Tempatan (PPFT)
  • Dana Bantuan Pembangunan Francais (DBPF)

Franchise Executive Scheme

Objectives
To encourage more Bumiputeras in public and private sectors to venture into franchise business
Focus on those who are involve in Voluntary Separation Scheme (VSS) or early retirement

Company Criteria
25 years and above
Preference given to applicants with minimum qualification of Diploma
Master Franchisor/ Franchisee registered with Registrar of Franchise (ROF)
100% equity owned by Bumiputera
Letter of Offer from Master Franchisor/ Franchisee
Entrepreneur is the owner and operator
Financing application made through Pte. Ltd company for financing above RM250,000
Financing application by Sole Proprietor is limited to financing below RM 250,000
Business must be Syariah compliant

Financing Structure

Financing Mode : Islamic Financing
Financing Margin : Up to 70% of project cost
Financing Size : RM 50,000 to RM 1 million
Profit Rate : 6% per annum
Financing Tenure : Five (5) years

Franchisee Financing Scheme

Objective
Provide financing scheme to Bumiputera franchisees for startup or business expansion

Company Criteria
Age 21 years and above
Preference will be given to those with minimum qualification of Diploma
Entrepreneur is the owner and operator
Master Franchisor/ Franchisee registered with Registrar of Franchise (ROF)
100% equity owned by Bumiputera
Letter of Offer from Master Franchisor/ Franchisee
Financing application made through Pte. Ltd company for financing above RM250,000
Application by Sole Proprietor is limited to financing below RM 250,000
The business must be Syariah compliant

Financing Structure

Financing Size : RM 20,000 to RM 500,000
Financing Margin : Up to 70% of project cost
Profit Rate : 4.75% per annum (without collateral); 4.50% per annum (with collateral)
Financing Tenure : Five (5) years
Financing Mode : Islamic Financing

http://www.pns.com.my/

GREEN TECHNOLOGY FINANCING SCHEME (GTFS)

The Green Technology Financing Scheme exists to help incorporating green technology elements in specific project related to the identified sectors.

These projects must be located within Malaysia, utilising local and/or imported technology. Private companies that could benefit from this financing scheme are PRODUCER or USER of green technology products or systems. GTFS for PRODUCER or USER category shall be as follows:

What technology can be funded?

Funding will be provided for any project that qualify the PFI requirements and meets green technology project criteria under GTFS program. Evidences of proven business model and technology may be required to ensure that only viable projects will be funded.

General Criteria
All products, equipment and systems which satisfy the following criteria:-

  • Minimize degradation of environment;
  • Zero or low green house gas emission;
  • Safe for use and promotes healthy and improved environment for inhabitants;
  • Conserve the use of energy and natural resources;
  • and Promote the use of renewable energy resources.

Financing size

PRODUCER OF GREEN TECHNOLOGY
Maximum: RM50 million per company

USER OF GREEN TECHNOLOGY
Maximum: RM10 million per company

http://www.gtfs.my/

CREDIT GUARANTEE CORPORATION MALAYSIA BHD (CGC)

CONVENTIONAL SCHEMES

Enhancer Excel Scheme (ENHANCER EXCEL)

Eligibility Criteria

Malaysian-controlled or Malaysian-owned businesses;
SMEs complying to the following definitions;
The business must be in operation for at least one (1) year. However, the key person must have at least three (3) years experience in similar industry inclusive of the current business.

Type of Financing Facilities

Term Loan (TL) and overdraft (OD).

Financing Amount

Min: RM50,000.00
Max: RM500,000.00

Credit Enhancer Scheme (ENHANCER)

Eligibility Criteria

New businesses are eligible to apply
Malaysian-controlled or Malaysian-owned businesses.
Must fall within the definition of SMEs (for details, please click here).
Borrower must have a good credit record.
Franchise businesses can apply under this scheme.
Maximum Loan Limit

Loan of up to RM10.0 million.

Direct Access Guarantee Scheme Start Up (DAGS Start Up)

Eligible Criteria

Must fall within the definition of SMEs (for details, please click here).
Malaysian owned and controlled private limited companies registered under the Companies Act 1965, Sole Proprietorship or Partnership.
Applicable for business in operations with one (1) year or less only.

Submission Of Loan Guarantee Applications

All loan guarantee applications are to be submitted directly to CGC using a Standard application form accompanied by the necessary documents as per normal loan processing requirement.

Loan Amount And Guarantee Coverage

Loan amount ranging between RM50,000.00 to RM2.0 million.
Guarantee cover is up to 100% and shall be valid up to the maturity date of the loan with a maximum tenure of five (5) years.

Enhancer Bumi Scheme (ENHANCER BUMI)

Eligibility Criteria

New and existing borrower.
Company must be registered in Malaysia.
Eligible to Sdn Bhd, Partnership & Sole Proprietorship business entity.
Must be at least 51% owned by bumiputera (shareholding) & within SME definition.
Guarantee coverage is up to 90% of the unsecured portion

Maximum Loan Limit

Loan of up to RM10.0 million.

ISLAMIC SCHEMES

Credit Enhancer-i Scheme (ENHANCER-i)

Eligibility Criteria

New businesses are eligible to apply
Must fall within the definition of SMEs.
Malaysian-controlled or Malaysian-owned businesses.
No adverse record with CGC or other Financial Institutions or listed under Biro Maklumat Cek, BNM.
All viable business involved in ‘halal’ activities.
Loan Amount and Guarantee Coverage

Financing up to RM10.0 million.

Enhancer Bumi-i (ENHANCER BUMI-i)

Eligibility Criteria

New and existing customer.
Company must be registered in Malaysia.
Eligible to Sdn Bhd, Partnership & Sole Proprietorship business entity.
Must be at least 51% owned by bumiputera (shareholding) & within SME definition.
Guarantee coverage is up to 90% of the unsecured portion
Maximum Financing Limit

Financing of up to RM10.0 million.

GOVERNMENT-FUNDED SCHEMES

Flexi Guarantee Scheme (FGS)

Green Technology Financing Scheme (GTFS) & Green Technology Financing Scheme Islamic (GTFS – i) for Producer

Green Technology Financing Scheme (GTFS) & Green Technology Financing Scheme Islamic (GTFS – i) for User

Franchise Financing Scheme (FFS)

DIRECT FINANCING

Bumiputera Entrepreneur Project Fund-i (TPUB-i)

Eligibility Criteria

Applicant must be a wholly owned (100%) Bumiputera enterprise or is a Bumiputera entrepreneur.
Applicant must have a secured project/contract from government, government agencies, statutory bodies or government-owned companies;

Project / contract secured from private companies (selected) must fulfil the following criteria:-
a. Contract Awarder must have a net shareholders’ fund of at least RM20.0 million;
b. Contract Awarder must be in operations for not less than three (3) years;
c. Contract Awarder has no losses recorded in the last three (3) years.

Applicants are encouraged to be a member of any one of the following trade associations: Dewan Perniagaan Melayu Malaysia (DPMM), PERDASAMA, USAHANITA, Dewan Usahawan Muda Bumiputera and / or other bodies acknowledged by CGC;
Contractors must be registered with CIDB and are not blacklisted by CIDB;
The project / contract must not be financed by any other FIs.

Financing Limit

Up to RM3.0 million for first time applications and up to RM5.0 million for subsequent applications; subject to the following;
For food and catering businesses, financing amount is up to RM750,000.00 only.
For partnership and sole-proprietorship, financing amount is up to RM500,000.00 only.

BizMula-i

Eligibility Criteria

Aged 21 – 58 (at the point of application)
Must be SME per National SME Development Council’s (NSDC) definition.
Business registered in Malaysia and is Malaysian-controlled or Malaysian-owned (at least 51% shareholding)
Business is at least licensed by a local authority
Business has been licensed and/or in operations for less than 3 years
Financing Amount

Min – RM50,000
Max – RM300,000
* Depending on eligibility of each customer

Type of Facility

Term Financing only
* For the purpose of working capital and/ or asset acquisition

BizWanita-i

Eligibility Criteria

Aged 21 – 60 (upon settlement of full instalment payment).
Business meets either one of the “women” definition stipulated in the FAQ section.
Must be SME per National SME Development Council’s (NSDC) definition.
Business registered in Malaysia and is Malaysian-controlled and Malaysian-owned (at least 51% shareholding).
Business is at least licensed by a local authority.
Business has been licensed and/or in operations for any number of years (not confined to any minimum nor maximum number of years).

Financing Amount

Min – RM20,000
Max – RM300,000
* Depending on eligibility of each customer.

Type of Facility

Term Financing only
* For the purpose of working capital and/ or asset acquisition.

www.cgc.com.my

SME BANK (Bank Perusahaan Kecil dan Sederhana Malaysia Berhad)

Programmes

  • Online Business Financing Program (OBF)
  • Financing Program For Women Entrepreneur (WEP-LEAP)
  • Financing Program For SME (SME-LEAP)
  • Business Accelerator Program (BAP)
  • Bumiputera Equity (EquiBumi) Financing Facility
  • Bumiputera Financing Fund (BFF)
  • Malay Reserve Development Financing Programme
  • TERAS Financing Scheme
  • Bumiputera Halal Development Fund
  • Halal Development Fund
  • Young Entrepreneur Fund (YEF)
  • SME Development Scheme (SDS)
  • Business Premises Financing Scheme
  • Tabung Usahawan Siswazah 2 (TUS 2)
  • Public Transport Development Fund (TPPA)
  • Rural Economic Development Scheme (SPED)

Products

  • i-Biz Cash
  • i-Enterprise Premise Financing
  • Rolling Expenditure Advance Cash Scheme
  • (i-REACH)
  • Supply Assistance Scheme
  • (i-SPLASH)
  • Supplementary Renewed Facility
  • (i-SURF)
  • Contract Financing

Others

  • SME-Go
  • Special Relief Facility 2015
  • Payment for SME Bank Financing
  • Will Writing Business (WWB)
  • CGS Islamic Scheme

www.smebank.com.my

Malaysia Debt Ventures Berhad

How MDV Finances your Project/Contract

Project Finance in general refers to longer term financing of infrastructure and industrial projects based upon the projected cash flows of the project rather than the balance sheets of the applicant. The project finance methodology and framework is adopted and revised by MDV to suit the needs and requirements of the technology sector.

MDV proprietary Due Diligence Framework emphasises assessment on the strengths and capabilities of an applicant.

Hence, each financing application is reviewed and assessed individually, subject to the merits and capabilities of the project and the people implementing the project. Each financing is also structured in accordance with the project’s cashflow requirements, where payments for the principal and purchase price are paid when received from contract awarder or project sponsors.

How MDV finance your project

Stages of Company Developement

SEED STAGE FINANCING
This stage is a relatively small amount of capital provided to an inventor or entrepreneur to prove a concept. This involves product development and market research as well as building a management team and developing a business plan, if the initial steps are successful. This is a pre-marketing stage.

EARLY STAGE FINANCING
This stage provides financing to companies completing development where products are mostly in testing or pilot production. In some cases, product may have just been made commercially available. Companies may be in the process of organizing or they may already be in business for three years or less. Usually such firms will have made market studies, assembled the key management, developed a business plan, and are ready or have already started conducting business.

EXPANSION STAGE FINANCING
This stage involves working capital for the initial expansion of a company that is producing and shipping and has growing accounts receivables and inventories. It may or may not be showing a profit. Some of the uses of capital may include further plant expansion, marketing, working capital, or development of an improved product. More institutional investors are more likely to be included along with initial investors from previous rounds.

LATER STAGE
Capital in this stage is provided for companies that have reached a fairly stable growth rate; that is, not growing as fast as the rates attained in the expansion stages. Again, these companies may or may not be profitable, but are more likely to be than in previous stages of development. Other financial characteristics of these companies include positive cash flow. This also includes companies considering IPO.

www.mdv.com.my

Khazanah Nasional Berhad

Khazanah Nasional is a driving force in shaping selected strategic industries in Malaysia, nurturing their development and doing so with the objective of pursuing the nation’s long-term economic interests.

As we move forward, Khazanah is entrusted to explore strategic investment opportunities in new sectors and new markets. We aim to manage our investment portfolio to realise its long-term potential, and at the same time investing in what we believe would be future winners.

Our current investments are distributed among various industries, mainly; finance, telecommunications, utilities, communication services, information technology and transportation. We are also venturing into other promising sectors with the vision to lead and develop strategic industries.

Khazanah at a glance

Khazanah Nasional is the investment holding arm of the Government of Malaysia and is empowered as the Government’s strategic investor in new industries and markets. As trustees to the nation’s commercial assets, our main objective is to promote economic growth and make strategic investments on behalf of the Government which would contribute towards nation building.

Khazanah is also tasked to nurture the development of selected strategic industries in Malaysia with the aim of pursuing the nation’s long-term economic interests.

Khazanah has investments in over 50 major companies, both in Malaysia and abroad, and our companies are involved in a broad spectrum of industries.

Khazanah is also the key agency mandated to drive shareholder value creation, efficiency gains and enhance corporate governance in companies controlled by the government, commonly known as Government-Linked Companies, or GLCs.

What does Khazanah Nasional do?

Khazanah Nasional is the investment holding arm of the Government of Malaysia where we are empowered as the Government’s strategic investor. As trustees to the nation’s financial assets, our main objective is to promote economic growth and make strategic investments on behalf of the Government which would contribute towards nation building in the long run.

As Khazanah Nasional is the Government’s investment arm, can I get Khazanah Nasional to invest in my venture?

Khazanah Nasional’s mandate as a driving force in investing in selected strategic sectors and markets for Malaysia requires it to play the role of an active strategic investor.

As an active and dynamic investment holding company, we aim to manage our investment portfolio to realise their long term potential, while making new investments that we believe will be future winners. As such, any investment considered must fit our strategic parameters. We welcome queries on potential opportunities via our e-mail address.

Which sectors are Khazanah Nasional actively investing in?

Currently, our investments are within the finance, media and communications, utilities, information technology and transportation industries.

Malaysia Venture Capital Management Bhd

MAVCAP was incorporated on 19th April 2001 by the Government of Malaysia and was allocated RM500 million by the Minister of Finance Inc for investment in, nurturing and growing the technology sector and the investing and growing of venture capital market in Malaysia. It is a new and bold Government-initiated and private-sector managed move to continue to bolster and spearhead the country’s charge towards a complete knowledge-based economy before 2020.

MAVCAP is a truly unique venture capital company in the way it is set up and managed. It is committed purely to the technology sectors and will invest in a mix of local and overseas businesses to bring together a successful blend of technologies and entrepreneurial skills.

DIRECT VENTURE

MAVCAP will invest only in sectors and countries it is familiar with. When we invest, we will actively participate in the management and operations of the businesses in which we have direct experience.

We believe that a core factor for success in our investment is personalised attention and extensive involvement between our team and each partner company. We seek to keep a high partner-to-investment ratio so as to ensure each partner company gets the attention it deserves.

Only a select group of companies will qualify under MAVCAP’s stringent investment criteria, and the deserving few will enjoy the best intellectual, business and financial resources at MAVCAP’s disposaL.

Investment Guidelines

No majority positions unless in exceptional circumstances

Size for direct investment other than start-up – typically ranging from RM500,000 – RM10 million per investment depending on the stage of development. Howeverthe maximum investment per company is RM40,000,000. For start-ups, the typical investment will be between RM50,000 to RM500,000

For private equity investment only

Board membership (min. 1 representative on the partner board)

Investment horizon for both initial and follow-on investments – average of 5 years for exit from initial investment

www.mavcap.com

MSC Malaysia

MSC Malaysia is your gateway to growing profits in Asia’s booming information and communications technology (ICT) markets. Modeled to be a world-class hub for development and nurturing of the Nations’s ICT industry, it gives you the best of first-world knowledge and infrastructure, at developing-nation costs.

MSC Malaysia Status Funding

MSC Malaysia supports your business by channeling much needed finances into your company at all levels.

No matter what your business need is, the MSC Malaysia Status Funding programme will help you take your business to greater heights.

R&D Grant Scheme

The R&D Grant Scheme helps you finance all your research and development endeavors with your ICT products for your company. IP Grant Scheme

The IP Grant Scheme ensures that you have the finances available to protect you or your company’s intellectual property. Pre-Seed Fund

The Pre-Seed Funds is for technoprenuers who are looking to fund their business ideas.

Development programmes and facilities

Technopreneur Development

Solution Assessment & Development Centre
K-Workers Development Initiative

Creative Applications & Development Centre
MSC Malaysia Innovation Centre

Capability Development Programme
Applying for MSC Malaysia Status

MSC Malaysia status is awarded to both local and foreign companies that develop or use multimedia technologies to produce or enhance their products and services, and for process development.

Currently, this status is awarded to 3 types of business entities namely companies, incubators and institutes of higher learning (IHLs), each with different applicationcriteria and guidelines.

http://www.mscmalaysia.my/

MTDC (Malaysian Technology Development Corporation)

Malaysian Technology Development Corporation (MTDC) was set up by the Government of Malaysia in 1992 to spearhead the development of technology businesses in Malaysia. Its initial role was to concentrate on the promotion and commercialisation of local research and invests in new ventures that can bring in new technologies from abroad.

From those investment activities, MTDC has evolved to become a venture capital outfit and has been the leading venture capitalist in the country long before the concept became familiar and accepted in Malaysia.

By the time other new venture capitalists came into being, MTDC has further evolved to become an integrated venture capital solutions provider and has become the only company in the country to attain the status. Today, MTDC is the only one-stop agency where financing can be sourced from; all the way from laboratory ideas to full commercialisation of such ideas.

To date, we have approved grants (under 8th Malaysia Plan) totalling RM120.9 million to 119 deserving local companies and participated in taking up equity stakes totalling more than RM150 million in more than 50 companies – both locally and internationally. Our search for high-tech companies have led us to invest in the United States, Europe and other countries in the region.

Venture Capital & Investment

As at 31 December 2005, MTDC has invested more than RM150 million in both local and foreign high-tech companies. Many of these companies have been successfully listed on Bursa Malaysia.

Over the years, MTDC had established six private equity funds including Malaysian Technology Venture One Sdn Bhd (RM35 million), Malaysian Technology Venture Two Sdn Bhd (RM53 million), Malaysian Technology Venture Two (Agriculture) (RM17 million), Malaysian Technology Venture Three Sdn Bhd (RM75 million), Sumber Modal Satu Berhad (RM10 million) and East Malaysia Growth Corporation Sdn Bhd (RM12 million).

In 2004, the Government created and allocated RM1 billion for the purpose of investment in non-ICT projects. This fund is managed solely by MTDC, in light of its track record and experience in the industry. To date, MTDC has invested RM90 million in seven companies.

MTDC will soon launch the country’s first biotechnology venture capital fund to be known as Malaysian Life Sciences Capital Fund (MLSCF). The fund will be co-managed with our strategic partner, Burill & Co., a life sciences merchant bank based in San Francisco, California.

Investment Approach

We invest in early, developing and late-stage technology-based businesses as a way to manage our risks. To further diversify our risks, we limit our exposure to around 30% equity stake in any investments. This strategy does not only benefit us, but also our investee companies as they can still drive their companies in their own creative ways. Our investment horizon is limited up to five years. Exit strategies include pre-IPO sale, management buy-out and saleback to project promoters.

Investment Criteria

MTDC’s investment criteria focuses on the following:

Non-ICT sector – focusing on life sciences sector
Strategic technologies
High Investment return
Clear and defined business vision
Credible management team
Investment Process

We strive hard to respond promptly and efficiently to all investment opportunities within our approved boundaries. The process kicks off upon receiving a business executive summary from potential partners. Once in place, a six-phase process that will take on an average of 8-12 weeks period will be set in motion. The six-phase process:

Application Requirements

We invest in early, developing and late-stage technology-based businesses as a way to manage our risks. To further diversify our risks, we limit our exposure to around 30% equity stake in any investments. This strategy does not only benefit us, but also our investee companies as they can still drive their companies in their own creative ways. Our investment horizon is limited up to five years. Exit strategies include pre-IPO sale, management buy-out and saleback to project promoters.

http://www.mtdc.com.my/

Perbadanan Nasional Berhad

Perbadanan Nasional Berhad (PNS), formerly known as PERNAS, was incorporated in November 29, 1969. In September 1996, PERNAS was privatized through a ‘management buyout’ (MBO) in which its selected assets were taken over by Pernas International Holdings Berhad. As a result, a new acronym, PNS, was adopted.

PNS embarked on new commercial operation at its new premises located on the 9th Floor of Pusat Dagangan Dunia Putra, Kuala Lumpur with an authorized capital of RM 1 billion and a paid up capital of RM 751 million. The Minister of Finance Incorporated (MOF Inc.) is the majority shareholder and PNS operates under the ambit of the Ministry of Entrepreneur and Cooperative Development (MECD).

Drawing on the years of experience and vast resources, PNS is embracing the Government’s call to increase the size of Bumiputera Commercial and Industrial Community (BCIC). Realizing the importance of meeting the aspiration, various strategies have been designed and implemented. In addition to providing resources, PNS is determined to enhance Bumiputera entrepreneurs on the aspects of profesionalism, business acumen as well as ethics and discipline.

OTHER SERVICES :

Equity Investment Franchise Investment & Financing Scheme

1. Investment in Strategic Alliance Companies
This scheme strongly supports the Government’s effort to increase Bumiputera equity and management participation in established Medium Scale Enterprises (MSE’s).

2. Investment in Mezzanine Companies
This scheme provides development stage financing of target companies / MSE’s. The financing package is intended to assist the companies to fulfill their growth potential within a period of 2 – 5 years

3. MESDAQ bound Companies
This scheme aims to promote involvement of UMBs in Technology Driven and High Growth companies.

4. Investment in Listed Companies
Investment in listed companies on 2nd Board/MESDAQ potential to be transferred to the Main Board.

5. Overseas Listing
Investment in companies that will go for listing overseas.

A. Franchisors And Master Franchises

Investment In Mezzanine Franchise Scheme
This scheme is to cater for existing Bumiputera-owned franchise businesses that seek financial assistance for expansion purposes.

Investment In Mezzanine Franchise Scheme
This scheme is to cater for existing Bumiputera-owned franchise businesses that seek financial assistance for expansion purposes.

Smart Partnership Franchise Scheme
This scheme not only enables UMBs to own equity in non-Bumiputera companies, but it also allow non-Bumiputera companies to partner with PNS in financing their business.

Budding Franchise Scheme
This scheme is to cater for new Bumiputera owned franchisors and master franchisees or existing businesses that have potential to be converted into franchise businesses.

Pre-Franchise Scheme
To assist new Bumiputera franchisors by providing financial assistance to potential franchisors and master franchisees.

Franchisor Financing Scheme
To provide financial assistance to franchisors/master franchisees in expanding their business.
B. Scheme For Franchisees

Franchisee Financing Scheme – Term Loan
This scheme is set up to provide financing to Bumiputera franchisees in starting and expanding their businesses.

Franchise Executive Scheme
To encourage more Bumiputera employeess in public and private sectors to venture into franchise business. Focus would be given to those opting for voluntary separation scheme (VSS) or early retirement

Youth Franchise Scheme
To encourage Bumiputera youth to venture into franchise business by providing start-up financing

http://www.pns.com.my/


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