ACTIVITIES QUALIFIED FOR FINANCING

1. Manufacturing (Preference will given to high growth sector)

2. Services

  • Electrical, Gas & Water Supply
  • Transportation, storage & communication
  • Wholesale & Retail Trade
  • Education
  • Healthcare
  • Other selected services

3. Construction (Contracts from Government & Government Linked Companies (GLC))
4. Tourism
5. Finance Companies
6. Oil & Gas
7. Mining except for quarry
8. ICT & Biotechnology
9. Other selected sectors

OUT OF SCOPE

1. Primary agriculture (Processing and services of food products are exempted)
2. Property Development
3. Gambling or any Illegal activities
4. Finance Companies
5. Mining except for quarry

FUNDING

  • Internal Fund
  • RMK9 Funds
  • Bank Negara Funds (TUB & TIKS)
  • Special Fund For Tourism (SFT2)
  • Rural Economic Development Scheme (SPED)
  • Public Transport Development Fund (TPPA)
  • Film & Drama Financing Scheme (SPFC)
  • Graduates Entrepreneur Fund (TUS)
  • SME Fund 2 (TIKS2)
  • Terengganu State Entrepreneur Fund (DUNT)
  • Foreign Funds (JBIC SMIPP, AJDF)
  • Kraf
  • Batik
  • Other Funds

CONVENTIONAL

  • Term Loan
  • Leasing
  • Industrial Hire Purchase
  • Bank Guarantee
  • Revolving

ISLAMIC

  • Bai’bithaman Ajil (BBA)
  • Bai Murabahah
  • Bai Dayn
  • Ijarah
  • Ijarah Thummalbai’
  • Kafalah

Working Capital Financing

  • Fixed Working Capital
  • Revolving Working Capital

Fixed Asset Financing

  • Land
  • Building
  • Land & Building
  • Machine & Equipments
  • Motorised Vehicles

Equity/Investment

  • Project initiation/ start-up financing
  • Venture Capital Fund

Equity Financing

  • Ordinary Shares
  • Preferred Shares
  • Loan Stock

FINANCING SCOPE

  • Term Loan
  • Land & Building
  • Construction of Building
  • Machinery/Equipment/Plant
  • Commercial Vehicles
  • Renovation
  • Furniture/Fittings

Leasing

  • Machinery/Equipment/Plant
  • Commercial Vehicles

Industrial Hire-purchase

  • Machinery/Equipment/Plant
  • Commercial Vehicles (except bus)

Fixed Working Capital

  • Purchase of Stock
  • Debtors
  • Overheads
  • Legal Fees
  • Pre-Op i.e.: Franchise Fee, Consultancy Fee, Promotion & Branding

Revolving Working Capital

  • Purchase of Raw Material
  • Purchase of Finished Goods
  • Debtors

Bank Guarantee

  • Performance Bond
  • Advance Payment Guarante
  • Tender Bon
  • Guarantee to Supplier, Bank, etc.

Loan Stock
Fixed Assets
Working Capital
* Maximum 30% of Paid-up Capital

Comfort Letter
For Government & Government Linked Companies (GLC) Tender Submission

www.smebank.com.my