BAE Low Carbon Transition Facility-i
This facility aims to encourage and support SMEs to adopt sustainable practices for business resilience. These sustainable practices include, but are not limited to, obtaining sustainability certification, increasing the use of sustainable material for production, improving energy efficiency of building and appliances, and installing on-site renewable energy generation equipment.

Features:

  • Financing amount up to RM10 million
  • Financing tenure of up to 10 years
  • Attractive pricing

Product Disclosure Sheet:

[Bahasa Malaysia][English]

BAE SJPP Agrofood Facility-i
A fund that is specifically designed to increase agrofood production for Malaysia and for export purposes through the provision of financing at affordable rates. Funding can be raised for capital expenditures, working capital and development of agrofood projects, subject to Bank Negara Malaysia eligibility criteria.

Features:

  • Offered under the Shariah concept of Bai Al-Einah
  • Financing amount up to RM5 million
  • Financing tenure of up to 8 years
  • Attractive pricing
  • Guaranteed by the Government of Malaysia, managed by SJPP

Product Disclosure Sheet:

[Bahasa Malaysia][English]

BAE BNM Micro Enterprises Facility-i
A fund set up to improve the access to collateral-free micro financing for micro enterprises* to raise funds for capital expenditures and working capital. The financing is under Bank Negara Malaysia’s Pembiayaan Mikro Scheme.

Features:

  • Offered under the Shariah concept of Bai Al-Einah
  • Financing amount up to RM50K
  • Financing tenure of up to 5 years
  • No collateral required.

Product Disclosure Sheet:

[Bahasa Malaysia][English]

 

*Including self-employed individuals, gig workers on digital platforms and participants of the iTEKAD programme

BAE SJPP SME Automation & Digitalisation Facility-i
The fund provides financing to SMEs to incentivise them in automating processes and digitalising operations to increase productivity and efficiency, subject to Bank Negara Malaysia’s eligibility criteria.

Features:

  • Offered under the Shariah concept of Bai Al-Einah
  • Financing amount up to RM3 million
  • Financing tenure of up to 10 years
  • Attractive pricing
  • Guaranteed by the Government of Malaysia, managed by SJPP

Product Disclosure Sheet:

[Bahasa Malaysia][English]

BAE SME All Economic Sectors Facility-i
A fund set up by Bank Negara Malaysia to improve access to financing for SMEs to raise funds for capital expenditures and working capital, subject to Bank Negara Malaysia’s eligibility criteria.

Features:

  • Offered under the Shariah concept of Bai Al-Einah
  • Financing amount up to RM5 million
  • Financing tenure of up to 5 years
  • Attractive pricing
  • May be guaranteed by CGC or Government of Malaysia (managed by SJPP) under the following packages:
    • Flexi Guarantee Scheme-i
    • Working Capital Guarantee Scheme-i
    • Government Guarantee Scheme-i

Product Disclosure Sheet:

With Guarantee [Bahasa Malaysia][English]

Non-Guarantee Scheme [Bahasa Malaysia][English]

BAE BNM Disaster Relief Facility-i 2022
The fund provides financing to Small and Medium Enterprises (SMEs) affected by the recent flood to assist them in alleviating their financial burden and facilitate the resumption of their business operations, subject to Bank Negara Malaysia eligibility criteria.

Features:

  • Open to SMEs affected by floods in districts identified by Agensi Pengurusan Bencana Negara (NADMA) as flood disaster areas and SMEs’ assets (e.g. inventory, equipment and business premise) have been damaged by disaster
  • Offered under the Shariah concept of Bai Al-Einah
  • No collateral required
  • Financing up to RM700,000 per SME under category of Small or Medium and RM150,000 per SME under category of Micro
  • Financing tenure of up to 7 years, including an optional moratorium period of 6 months
  • Guarantee by CGC or Government of Malaysia (managed by SJPP)

Product Disclosure Sheet:

[Bahasa Malaysia][English]

BAE High Tech & Green Facility-i (BAE HTG-i)
The fund aims to help SMEs and innovate 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.

Features:

  • Offered under the Shariah concept of Bai Al-Einah
  • Financing up to RM10 million per SME
  • Financing tenure of up to 10 years
  • Facility may be guaranteed by CGC or SJPP

Product Disclosure Sheet:

[Bahasa Malaysia][English]