Penjana SME Financing Scheme (PSF)



PENJANA will be allocating RM2 billion in funding to the banking sector to offer financing facilities for SMEs that have been adversely impacted by COVID-19. The financing facility will be at a concession rate of 3.5% p.a and the maximum loan/financing amount will be up to RM500,000 per SME.

Maximum Loan Amount 


Loan Term 

1 Year - 5 Years

Interest Rates



3 - 4 Weeks


  1. Financing Purpose: Working Capital only

  2. Financing Rate: 3.5% p.a., inclusive of guarantee fees

  3. Guarantee Coverage: Up to 80% CGC Guarantee or SJPP

  4. Facility Type: Term Loan

  5. Maximum Tenure: 5 years

  6. Availability Fund RM2.0 billion from 1 July 2020 until 31st March 2021 upon exhaustion of allocation, whichever is earlier

  7. Financing Amount Up to 500,000 per SME upon

  8. No collateral Not Required


  1. Malaysian SMEs adversely affected by COVID-19,

  2. with at least 51% shares held by Malaysians

  3. Annual Sales Min RM800k

  4. Company Establish 1 years

Required Documents

  1. A valid Business Registration certificate with SSM or Business License with Local Authority (LA).

  2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners.

  3. Latest 6 months Company’s Bank Statement.

  4. 1 Years Audit Account or Management Account

  5. Other supporting documents as required by the Bank.

 6 Reason Why Apply with us

  1. We same as the Banker, but Banker just represents their bank, they only can help you to apply the loan from their own bank, and we do not belong to any bank.

  2. And most importantly, you save a lot of time and the hassle going from bank to bank and hence, we are the one stop centre for you.

  3. SMI Funding directly using through our network, based on your documents, qualification, nature of business, and other information, find out that which Commercial Bank having higher approval rate chances (Maybank, RHB, Ambank, Standard Chartered & etc) 90% approval rate helped the company successfully get the fund.

  4. Our consultant are commission based, hence they need to work closely with you and the banks until your loan is approved. If not, they won't get a single cent. We charge services charge based on the loan approved. No approval, no commission to be paid. Mean you are gurantee NO RISK

  5. After you’re funded, you and our consultant will work through a plan to get you better lending products in the future. When that time comes, we’ll be there to help you take the next step.

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Hunting Line: 603-9082 4988 
Office Tel: 603-9771 2299

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Lingkaran SV

Sunway Velocity

55100 Kuala Lumpur


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