Fund for Small Medium Industries II

Helping companies expand capacity with affordable financing

Interest rates of up to 6% (subject to changes by Bank Negara Malaysia)

Financing from RM50,000 to RM5 million (available as term loan and / or overdraft)

Guarantee cover by Credit Guarantee Corporation Malaysia Berhad could be arranged for qualified applications

Repayment period of up to 5 years


  • Companies in all sectors
  • An SME
  • Maximum shareholders' fund of RM2 million and below
  • Shareholding by public listed and government-linked companies (if any) should not exceed 20%
  • Malaysian residing in Malaysia and owning minimum 51% shareholding incorporated under the Companies Act 1965, the Co-operative Societies Act 1993, the Societies Act 1966, registered with the Companies Commission of Malaysia or any other authoritative bodies
  • In operation for 7 years or less. SMEs with more than 7 years in operation will be considered at bank's discretion (provided average net profit is marginal over the last 3 years)
  • Not to be used for refinancing of existing facilities, purchase of shares, land/real estate investment, properties development, investment holding company, activities where stock-in-trade is money (including credit, leasing, factory and insurance businesses), non-economic or non-healthy activities

Fees & charges

Fees and charges depend on various factors, such as the financing amount and type of collateral pledged.

View all fees and charges

How to apply

Call us at

1300 88 7000