SMElite – Package Features
Variety of financing options:
- Financing collateralized against property
- Financing collateralized against property and CGC Guarantee
- Financing guaranteed by CGC (up to 70% of loan amount)
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- High financing amount up to RM 10 Million* per borrower
- Up to 150% Margin of Advance
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Flexible facility based on business needs
- Term Loan for Property Financing (up to 25 years) or Working Capital Financing (up to 7 years)
- CGC Term Loan – Working Capital or Capital Expenditure Financing (up to 7 years)
- Overdraft – Working Capital Financing
Trade facilities – Trade Working Capital Financing (up to 120 days)
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- BLR – 2.20% for Term Loan
- BLR + 2.25% for CGC Term Loan
- BLR + 1.00% for Overdraft
- Please contact our Bank’s staff / visit our Bank branch for Trade facilities pricing.
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* The maximum financing amount granted is subject to Bank’s credit evaluation.
- Sole Proprietorship, Partnership, Limited Liability Partnership, Private Limited Company (Sdn Bhd) that are classified as SME under Bank Negara Malaysia definition
- Financing without CGC Guarantee - Minimum 3 years in business / key management with minimum 3 years experience running the same type of business
- Financing collateralized against CGC Guarantee – Business in operation of 3 years and above
- Annual Sales turnover of RM500,000 and above
- For CGC Term Loan, must meet all eligibility criteria required by CGC
Copy of Directors, Owners, Partners, Shareholders, Guarantors Malaysian ID card
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- Latest 3 years audited financial statements and/ or management accounts (where applicable)
- Last 6 months Bank Statements
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Business Documents e.g. Board Resolution, Form 24 / Section 78, Form 49 / Section 58, Form 44/ Section 46, Annual Return / Section 68
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Business Registration Document
E.g. Form A/ Form B/Form D,
Form 8 / Form 9 / Section 14 (Super Form)
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Memorandum of Articles (M&A)/ Constitution (If Applicable)
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Property Title/Sales & Purchase Agreement (S&P)/Booking Receipt/ Valid Proclamation of Sales
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*Additional documentation may be requested for credit evaluation purposes
Click here for the non-exhaustive list of fees and charges, or visit any of our branches for further information.
