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.

Vehicle Financing

Whether you’re looking to purchase an addition to your fleet of workhorse vehicles, or a new company car that truly reflects your organisation’s stature, Public Bank offers attractive vehicle financing packages to make owning a new company vehicle easy and fast.

Hire Purchase
Whether you're pining after a chic speedster for yourself or looking for a lorry to make deliveries, we have just the right vehicle financing package for you.

Your mobility is our priority. Therefore, we've put our Hire Purchase plan together to allow you to drive off comfortably knowing that you:

• Will save more thanks to our competitive interest rates.
• Can afford to stretch your ringgit by paying a low deposit.
• Can enjoy a flexible repayment period of up to 9 years.
• Can enjoy the convenience paying your instalments through our multi delivery channels or at any of the branches in our extensive network.
• Will enjoy an attractive margin of financing. (View our margin of financing & hiring period)

Floor Stocking Facility
If you are a vehicle dealer, you'll know that sometimes, it can get frustrating for you when you don't have sufficient working capital to finance your inventory, especially when demand is high. This facility solves that problem by providing you financing in the form of a revolving credit so you'll always have funds at hand to keep your inventory stocked and ready to meet all your customers' demands.

Here's what our Floor Stocking Facility offers your business:

• Multiple drawdowns are allowed.
• The savings you enjoy from our competitive interest rates will give you funds for other business expenses.
• It's in the form of a revolving credit, so you can constantly renew it to keep additional funds at hand.

Special Working Capital Package
All vehicle importers and dealers, capitalise on sales opportunities and expand your business! This facility will provide you with the necessary additional working capital in the form of an Overdraft or Trade Bills.

Here's what our Special Working Capital facility offers your business:

• The savings you enjoy from our competitive interest rates will give you funds for other business expenses.
• High quantum of financing of up to RM2 million that lets you take the fullest advantage of sales opportunities as well as grow your business.
• For all Hire Purchase financed by Public Bank, proceeds will be credited within 24 hours into your bank account.
  

Local Cheque Purchased Facility
If you are a vehicle dealer, this facility gives you immediate value for cheques issued by local financial institutions and government bodies. This eliminates the waiting time for you, streamlining your sales process and giving you more cash in hand.

Here's what our Local Cheque Purchased facility offers your business:

• Lowers your net working capital requirement through instant availability of funds.
• Opportunity to generate higher business turnover.
• Enjoy great savings as we offer competitive interest rates and a low service charge.