Golden Eagle Award 2017 SCBEA
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Business Financing

We regularly assist business entrepreneurs to apply for Governmental Funds, Islamic Scheme, Soft Loan, Business Loan and SME Loan, which are granted by Malaysia Government through Bank Negara Malaysia, Credit Guarantee Corporation (M) Bhd (CGC), Malaysian Industrial Developmental Finance Bhd (MIDF), Ministry of Finance, Bank Pembangunan Malaysia, Agro Bank, SME Bank, Local Banks, Overseas Banks & Islamic Banks. Besides, we are also assist business entrepreneurs to obtain government grants and incentives under the control of the SME Corporation Malaysia (SMEcorp).

  • Working Capital Financing
    • The facilities for working capital are to assist business entrepreneurs to finance credit sales, enjoy trade discount, operating cost and secured contracts/ projects/ new orders. These are offered by Financial Institutions in the form of Overdraft, Term Loan, Multiple Trade Lines (LC, TR, BA, SG, PG, FG) and etc.
  • Property Acquisition
    • This financing is mainly for the purchase of commercial land and building for business purposes. For example, purchase of shoplot, factory or warehouses. Renovation and construction cost can also be financed by some of the Developmental Financial Institutions.
  • Machinery Acquisition
    • It is mainly to part finance the purchase of new/ used machineries with margin of finance up to 90% for new machineries and up to 80% for used machineries. The repayment tenor can be up to 8 years. The interest rate can be as low as 2% p.a yearly rest.
  • Refinancing
    • The purposes of refinancing are mainly to maximize the value of the existing property by acquiring additional working capital and to enjoy cheaper cost of funding.
  • Bridging Loan/ Project Financing
    • This is mainly to assist those Property Developers, who are having financial constraint in property development. It can be partly finance the preliminaries, earthworks, infrastructure, construction cost as well as partly finance the purchase of land for development purpose or to redeem the encumbered land from existing banker.
  • Contract Financing
    • Contract Financing is specifically tailored for a specific contract awarded from the Government, GLCs and selected contract awarders. The financing package varies in accordance to the type of contracts i.e. construction (civil, infrastructure), supply, services etc. It can be in term of Term Financing, Revolving Credit, Guarantee, Letter of Credit etc.