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.

Project Financing

For viable projects, Public Bank can either undertake to provide all the necessary funding, or arrange to provide it jointly with other financial institutions.

Bridging Loan
An advance given to a property project developer to 'bridge' his working capital needs and ensure smooth continuation of the project until he has sold the units and received payments from the purchasers.

End Financing
An arrangement with a project developer to provide loans to property purchasers to help them finance the purchase price of the property. Proceeds (usually 80% to 90% of the purchase price) from the end financing will be used to settle the bridging loan.

Syndicated Loan
A single loan jointly financed by a consortium of financial institutions to provide financing for large projects.

Banker's Guarantee
An undertaking by the bank to guarantee payment of a debt or performance obligation by the applicant. This allows you to undertake projects with minimal capital outlay.