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.

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
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.

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.
  

Interest/ Profit Rates

View SWIFT rates

SMILAX
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

PBMicro Finance
PBMicro Finance provides financial assistance to micro enterprises that seek to expand their businesses and need quick and easy access to financing.

PBMicro Finance offers:

• Financing for Working Capital and Asset Acquisition for business purposes.
• Affordable & Flexible Repayment Scheme
• Loan Amount of up to RM50,000
• Loan Repayment Tenure of up to 60 months

PBMicro Finance 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.