Print FAQ


BizMula-i is a direct financing scheme to cater specifically for businesses less than 4 years in operations utilising the BNM’s Fund for SMEs – All Economic Sectors (other than SMEs in the Primary Agriculture Sector and Micro Enterprises).

The funds are designed to facilitate greater access to financing for viable SMEs.

Purpose of Financing

  • Working capital; and/or
  • Asset acquisition (i.e. purchase of machinery and equipment)

Financing should not be used for:

  • Purchase of shares;
  • Refinancing of existing credit/financing facilities;
  • Purchase of land/real estate investment;
  • Purchase of business properties;
  • Property development;
  • Investment by investment holding companies;
  • Activities where the stock in trade is money (including credit, leasing, factoring and insurance businesses);
  • Gambling, alcohol, tobacco or other similar type of activities and products; and
  • Shari’ah non-compliant business activities.

Eligibility Criteria

  • Meet National SME Development Council’s (NSDC) SME definition (for details, please click here);
  • Must be a Malaysian-controlled and Malaysian-owned (at least 51% shareholding) company or business and must reside in Malaysia;
  • Business has been registered and/ or in operations for less than 4 years;
  • Key decision maker’s age must be at least 21 years old at the point of application and maximum of 60 years old upon full settlement;
  • Business is registered with Companies Commission of Malaysia (SSM); or authorities/district offices in Sabah and Sarawak; or statutory bodies for professional service providers;
  • Maximum shareholders’ funds not exceeding RM5 million;
  • Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%.

Financing Amount

  • Minimum : RM30,000
  • Maximum : RM300,000

Type of Facility

  • Term Financing only

Financing Rate

  • Effective Profit Rate: *BNM Funding Rate at 1.50% (as at 19th June 2017) + 6.50% p.a.
  • Ceiling Profit Rate: 12.00% p.a.

* BNM Funding Rate may be subject to change at the discretion of BNM.

Financing Tenure

  • Up to 5 years

Application Procedures

  • Application form is available at all CGC’s branches or Click here to download Application Form.
  • The complete application form together with all supporting documents can be submitted to any CGC branches.

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