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Products Packages
Public Bank offers a full range of loan packages to suit your financing needs, whether you are a new entrepreneur or are running a small to medium enterprise.
SWIFT provides financing for the acquisition of assets to help in the running of your business, or for making personal investments.
SWIFT offers:
- An attractive margin of financing of up to 150%.
- Option to defer paying your instalments for the first 2 years.
- Financing of your stamp duty and legal documentation fees.
- 10% discount on Fire Insurance premiums for the first year.
- No service fee for EPF & Income Tax payments.
- Pre-approved credit cards for eligible directors with annual fee waiver during the loan tenure.
- Option for Free Legal Documentation.
ShopSave (New package under SWIFT Plan)
The package links your fixed loan to your current account whereby the credit balance in your current account will be used to reduce the fixed loan balance outstanding for interest calculation, thus resulting in interest savings.
The financing package is intended to help you:
- To purchase or refinance your own business premises, such as shophouses, warehouses and industrial factories.
- To finance the purchase of selected equipment & machinery.
- To raise working capital, including Overdraft facilities and trade bills.
- To raise funds for making personal investments.
Attractive interest rate up to BLR-1.40%*
* Terms & Conditions Apply
Provides financing and refinancing to Small and Medium Enterprises and Industries that are seeking capital for expansion. So if you're thinking of constructing a new production plant to cope with increasing demand, or purchasing larger business premises, SMILAX will provide the necessary funds.
Here's what SMILAX can do for your business:
- Financing for a wide variety of purposes
- Refinancing or purchase of industrial land, factories, shophouses, plant and machinery.
- Refinancing of your existing facilities with other financial institutions.
- Financing of working capital.
- A standby credit line to meet temporary and seasonal needs.
Attractive Package
- Enjoy a high margin of advance of up to 200%.
- Option of deferred instalments for the first 2 years.
- Competitive interest rates.
- Long loan tenure of up to 20 years.
- No processing fees.
- 100% financing of legal and documentation expenses.
Interest/ Profit Rates
View SMILAX rates
Fund for Small and Medium Sized Industries 2 (FSMI2)
Set up specifically to help small and medium industries to raise working capital to expand their production capacity. Most businesses are eligible to this funding, with the exceptions of those engaged in money-exchange activities.
Here's what FSMI2 can do for your business:
- Loan amount of up to RM3 million.
- Loan tenure of up to 3 years.
- Attractive pricing.
New Entrepreneurs Fund (NEF2)
A fund that's specifically designed to stimulate the growth of wholly-owned Bumiputra businesses in all economic sectors. Funding can be raised for working capital and expansion of production capacity.
Here's what NEF2 can do for your business:
- Loan amount of up to RM5 million.
- Loan tenure of up to 8 years.
- Attractive pricing.
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