Jenis pembiayaanFinancing type

Pembiayaan berjangkaTerm financing

Jumlah sekali gus dibayar balik secara ansuran tetap.A lump sum repaid in fixed instalments over time.

Cari skim untuk bisnes sayaFind schemes for my business Cara padanan berfungsiHow matching works
Apa ini & bila ia sesuaiWhat it is & when it fits

Jumlah sekali gus dibayar balik secara ansuran tetap.A lump sum repaid in fixed instalments over time.

Untuk pelaburan lebih besar — kembangkan, renovate, buka cawangan.For larger investments — expansion, renovation, a new outlet.

Macam mana anda gunaHow you'd use it

Renovate kedai + beli chiller RM120k → bank beri sekali gus, anda bayar ~RM2,300 sebulan selama 5 tahun. Wang habis sekali — tak isi semula, jadi jangan guna untuk jurang tunai pendek.Renovate the shop + a chiller for RM120k → the bank gives it in one shot, you repay ~RM2,300/month for 5 years. Spent once — it doesn't refill, so don't use it to plug a short cash gap.

Apa anda perlu sediakanWhat you'll need
  • Pendaftaran SSMSSM registration
  • Penyata bank 6 bulan6 months bank statements
  • Unjuran / rancangan pelaburanInvestment plan / projection
Apa yang berbeza ikut pembiayaWhat varies by financier

Jumlah, kadar, tempoh & cagaran ditentukan oleh pembiaya.The amount, rate, tenure and collateral are set by the financier.

Penyedia sebenarReal providers

MARA Business Financing MARA

Pembiayaan bisnes untuk usahawan bumiputeraBusiness financing for bumiputera entrepreneurs

RM500,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
SME Bank Financing SME Bank Malaysia

Pembiayaan PKS merentasi sektorSME financing across sectors

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Bank Rakyat SME Financing Bank Rakyat

Pembiayaan Islamik untuk PKSIslamic SME financing

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Bank Islam SME Financing Bank Islam Malaysia

Pembiayaan Islamik PKS (modal kerja & aset)Islamic SME financing (working capital & assets)

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
PUNB Enterprise Funding Perbadanan Usahawan Nasional Berhad

Dana runcit & perusahaan untuk bumiputeraRetail & enterprise funding for bumiputera

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
MIDF SME Financing Malaysian Industrial Development Finance

Pembiayaan PKS & industri (DFI)SME & industrial financing (DFI)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BNM Fund for SMEs Bank Negara Malaysia (via participating banks)

Dana BNM untuk PKS (melalui bank peserta)BNM-backed SME funds via participating banks

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
AgroFood Facility Agrobank

Pembiayaan Agrobank untuk PKS agromakanan (pertanian, ternakan, perikanan)Agrobank financing for agrofood SMEs (agriculture, livestock, fisheries)

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
PNS Franchise Financing Perbadanan Nasional Berhad (PNS)

Pembiayaan francais PNS untuk francaisi & francaisor bumiputeraPNS franchise financing for bumiputera franchisees & franchisors

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Contract Financing SME Bank (Bank Pembangunan Malaysia)

Pembiayaan kontrak SME Bank untuk kontraktor utama / sub-kontraktor berdaftar (CIDB/PKK/MOF)SME Bank contract financing for registered main contractors / nominated sub-contractors (CIDB/PKK/MOF)

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Soft Financing Scheme for Automation & Modernisation (SFSAM) MIDF

Pembiayaan lembut MIDF untuk PKS pembuatan (& perkhidmatan berkaitan pembuatan) automasikan & modenkan prosesMIDF soft financing for manufacturing (& manufacturing-related-services) SMEs to automate & modernise

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
Future Ready Financing (FRF) MIDF

Pembiayaan MIDF untuk PKS pembuatan (& MRS) menerima pakai teknologi masa hadapanMIDF financing for manufacturing (& MRS) SMEs adopting future-ready technology

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
Franchisee Financing Scheme Perbadanan Nasional Berhad (Pernas)

Pembiayaan Pernas untuk francaisi — perniagaan 100% milik Bumiputera & patuh SyariahPernas financing for franchisees — business must be 100% Bumiputera-owned & Shariah-compliant

RM2,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BERNAS Financing Programme Agrobank (Bank Pertanian Malaysia Berhad)

Modal kerja Agrobank untuk penyedia perkhidmatan padi di bawah seliaan BERNAS (tanam & urus tanaman)Agrobank working-capital financing for BERNAS-supervised paddy service providers (planting & crop management)

RM500,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
AGRO Pembiayaan Padi Agrobank (Bank Pertanian Malaysia Berhad)

Pembiayaan Agrobank untuk pesawah padi (modal kitaran tanaman), tanpa cagaranAgrobank financing for paddy farmers (crop-cycle working capital), unsecured

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Tabung Khas Pelancongan (TKP) SME Bank (via MOTAC)

Dana khas pelancongan SME Bank untuk projek pelancongan berdaftar MOTAC (ekuiti Bumiputera min. 60%)SME Bank special tourism fund for MOTAC-registered tourism projects (min. 60% Bumiputera equity)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
PENJANA Tourism Financing (PTF) Bank Negara Malaysia (via participating financial institutions)

Pembiayaan BNM untuk PKS & mikro sektor pelancongan teras (penginapan, agensi pelancongan, pengangkutan pelancong)BNM financing for SMEs & micro-enterprises in core tourism (accommodation, travel/tour operators, tourist transport)

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
GO Halal SME Financing Programme Halal Development Corporation (HDC) × Bank Islam

Pembiayaan Islamik HDC × Bank Islam untuk PKS industri halal (pensijilan, modal kerja, CAPEX) — tanpa cagaranHDC × Bank Islam Islamic financing for halal-industry SMEs (certification, working capital, capex) — collateral-free

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →

BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan — anda memohon terus kepada penyedia. Skim mungkin sesuai; kelulusan ditentukan oleh penyedia.BijakDana is not a lender and does not act as a financing broker — you apply directly to the provider. A scheme may fit; approval is the provider's decision.

Bila laluan ini biasanya munculWhen this route usually comes up

Soalan lazimFAQ

Apa itu pembiayaan berjangka?

Jumlah sekali gus dibayar balik secara ansuran tetap.

Bila pembiayaan berjangka sesuai?

Untuk pelaburan lebih besar — kembangkan, renovate, buka cawangan.

Macam mana saya guna pembiayaan berjangka?

Renovate kedai + beli chiller RM120k → bank beri sekali gus, anda bayar ~RM2,300 sebulan selama 5 tahun. Wang habis sekali — tak isi semula, jadi jangan guna untuk jurang tunai pendek.

Apa yang berbeza ikut pembiaya?

Jumlah, kadar, tempoh & cagaran ditentukan oleh pembiaya.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Kami tunjukkan pilihan yang wujud; anda memohon terus kepada penyedia.

Data disemak: 2026-09.Data checked: 2026-09.