Our SME Development Unit goes a step further by rendering the following services:

• Perform market research on the needs of SMEs.
• Develop various lending products and schemes to meet the requirements of SMEs.
• Encourage business development and joint promotion with relevant establishments such as SMI Association Malaysia, Federation of Malaysian Manufacturers (FMM) and other business-related associations and chambers of commerce.
• Enhance closer cooperation, collaboration and relationships with the SMEs and providing advisory services relating to the availability and usage of banking and credit facilities.

Just click on a product or service below to get more details on how to make Public Bank a partner in driving the growth of your business.

Credit Guarantee Corporation (CGC) Guarantee Schemes

The CGC has introduced a selection of loan schemes to promote the development of small and medium scale enterprises. These schemes are ideal to help new entrepreneurs obtain the financing they need even if they do not have the necessary collateral.

New Principal Guarantee Scheme (NPGS)
If you have a viable business plan, but do not have the required collateral to obtain the necessary funding to make it a reality, NPGS can help you. It's a scheme designed specifically to promote the growth and development of viable small and medium enterprises, so that brilliant business ideas won't go to waste.

Here's what NPGS can do for your business:

• A choice of loan facilities: Fixed Loan, Overdraft or Trade Bills.
• High loan amount of up to RM10 million.
• No commitment fee for Overdraft facility where the total NPGS credit facility is RM500,000 and below.
• Provides guarantee cover:
  - for the entire duration of your fixed loan.
  - up to 3 years for Overdraft and Trade Bills.
  

Small Entrepreneur Guarantee Scheme (SEGS)
A scheme to assist small entrepreneurs who have viable business plans to obtain reasonably-priced financing from financial institutions. It aims to help Malaysian-owned companies to raise working capital and acquire assets for the purpose of business expansion.

Here's what SEGS can do for your business:

• A choice of loan facilities: Fixed Loan or Overdraft.
• Loan amount of up to RM50 000.
• Loan tenure of up to 5 years.
• No commitment fee for Overdraft facility
  

Flexi Guarantee Scheme (FGS)
Provides guarantees for Malaysian-owned cto assist in their business expansion as well as for working capital.

This guarantee scheme offers the following loans:

• Fund for Small and Medium 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 Entrepreneur 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.
    
    
• Rehabilitation Fund for Small Businesses (RFSB)
  A fund to help Malaysian-owned (at least 51% ownership) small and medium enterprises raise working capital for business expansion.
  
  Here's what RFSB can do for your business:
  • Loan amount of up to RM1.5 million.
  • Loan tenure of up to 5 years.
  • Interest capped at 5.0% p.a.
  • CGC (M) Bhd Guarantee Cover of up to 80%.
  • Guarantee fee borne by the bank.
    

Rehabilitation Fund for Small Businesses (RFSB)
A fund to help Malaysian-owned (at least 51% ownership) small and medium enterprises raise working capital for business expansion.

Here's what RFSB can do for your business:

• Loan amount of up to RM1.5 million.
• Loan tenure of up to 5 years.
• Interest capped at 5.0% p.a.
• CGC (M) Bhd Guarantee Cover of up to 80%.
• Guarantee fee borne by the bank.
  

Special Relief Guarantee Facility (SRGF)
A special relief facility set up by Bank Negara Malaysia to aid Malaysian businesses that have been affected by the Severe Acute Respiratory Syndrome (SARS) outbreak, especially those in the tourism and tourism-related industries.

Here's what SRGF can do for your business:

• Loan amount of up to RM2.5 million.
• Loan tenure of up to 2 years.
• Attractive pricing.
• Guarantee fee is waived.