Ikut bisnesBy business

Pembiayaan untuk peruncitan / f&bFinancing for retail / f&b

Laluan pembiayaan yang biasanya sesuai untuk peruncitan / f&b, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit retail / f&b, and the real schemes that may fit — with the reasons. May fit, never a promise of approval.

Cari skim untuk bisnes sayaFind schemes for my business Nilai bisnes iniValue this business
Gambaran pembiayaan untuk sektor iniThis sector's funding at a glance

17 daripada skim terpilih kami padan dengan bisnes peruncitan / f&b (1 menyasarkan sektor ini secara khusus, 16 terbuka umum).17 of our curated schemes match retail / f&b businesses (1 aimed specifically at this sector, 16 open generally). Kebanyakannya datang dalam bentuk pembiayaan dan ekuiti.Most arrive as financing and equity.

Had tertinggi yang kami sahkan untuk sektor ini: RM20,000,000 (Funding Societies Malaysia) — had satu skim, bukan jumlah semua skim.The highest verified limit we show for this sector: RM20,000,000 (Funding Societies Malaysia) — one scheme's limit, not a sum of schemes.

Jenis bisnes dalam sektor iniTypes of business in this sector

Sektor ini merangkumi beberapa jenis bisnes berbeza. Pembiaya kerap minta pendaftaran/lesen mengikut jenis — kami senaraikannya (dengan sumber) supaya anda tahu apa perlu disediakan.This sector covers a few distinct business types. Financiers often ask for a type-specific registration/licence — we list them (with the source) so you know what to prepare.

  • Kedai runcitGrocery / sundry shop
  • F&B / restoranF&B / restaurant
  • Farmasi runcitRetail pharmacy — Farmasi perlu lesen Pihak Berkuasa Farmasi (Borang A/E).A pharmacy needs a Pharmacy Board licence (Form A/E). · sumbersource
  • Kedai pakaianClothing / apparel shop
Laluan yang biasanya sesuaiRoutes that usually fit

Skim yang menyasarkan bisnes iniSchemes aimed at this business

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 →

Skim umum yang terbuka untuk bisnes iniGeneral schemes open to this business

Terbuka kepada pelbagai bisnes (termasuk anda) — bukan khusus untuk sektor ini, jadi sama merentas kebanyakan sektor. Kelayakan masih ditentukan penyedia. Butiran penuh setiap skim ada di laman jenis pembiayaannya.Open to a range of businesses (including yours) — not specific to this sector, so they are the same across most sectors. The provider still decides eligibility. Full detail for each scheme is on its financing-type page.

  • Funding Societies Financing (Funding Societies Malaysia) — had disahkan RM20,000,000 · sumberverified limit RM20,000,000 · source
  • MARA Business Financing (MARA) — had disahkan RM500,000 · sumberverified limit RM500,000 · source
  • PUNB Enterprise Funding (Perbadanan Usahawan Nasional Berhad) — had disahkan RM1,000,000 · sumberverified limit RM1,000,000 · source
  • MIDF SME Financing (Malaysian Industrial Development Finance) — had disahkan RM20,000,000 · sumberverified limit RM20,000,000 · source
  • TEKUN Nasional (TEKUN Nasional) — had disahkan RM300,000 · sumberverified limit RM300,000 · source
  • CGC Loan Guarantee (Credit Guarantee Corporation) — had disahkan RM10,000,000 · sumberverified limit RM10,000,000 · source
  • SME Bank Financing (SME Bank Malaysia)
  • BSN MikroKredit (Bank Simpanan Nasional) — had disahkan RM50,000 · sumberverified limit RM50,000 · source
  • Bank Rakyat SME Financing (Bank Rakyat)
  • Bank Islam SME Financing (Bank Islam Malaysia) — had disahkan RM1,000,000 · sumberverified limit RM1,000,000 · source
  • SME Corp Business Accelerator Programme (BAP) (SME Corp Malaysia) — had disahkan RM400,000 · sumberverified limit RM400,000 · source
  • Equity Crowdfunding (ECF) (SC-registered ECF platforms)
  • pitchIN (Pitch Platforms Sdn Bhd (SC-registered ECF))
  • Leet Capital (Leet Capital Sdn Bhd (SC-registered ECF))
  • SME Digitalisation Grant (MDEC / participating banks) — had disahkan RM5,000 · sumberverified limit RM5,000 · source
  • BNM Fund for SMEs (Bank Negara Malaysia (via participating banks)) — had disahkan RM10,000,000 · sumberverified limit RM10,000,000 · source

Skim yang TIDAK terbuka untuk bisnes iniSchemes NOT open to this business

Skim ini menyatakan sekatan sektor yang tidak termasuk bisnes anda — jadi ia bukan untuk anda. Kami tunjukkannya (dengan sumber) supaya anda tak buang masa memohon.These schemes document a sector restriction that excludes your business — so they're not for you. We show them (with the source) so you don't waste time applying.

  • Cradle Fund (CIP) (Cradle Fund) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MDEC Programmes (Malaysia Digital Economy Corporation) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MTDC Commercialisation Funding (Malaysian Technology Development Corp) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MAVCAP (Malaysia Venture Capital Management) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • Penjana Kapital / Dana Penjana Nasional (Penjana Kapital) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MBAN Angel Network (Malaysian Business Angel Network) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • Cradle Seed Ventures (Cradle Seed Ventures Sdn Bhd) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • AgroFood Facility (Agrobank) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • BERNAS Financing Programme (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Kredit Mikro (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Pembiayaan Padi (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
Nilai bisnes anda duluValue your business first

Nilai peruncitan / f&b →Value retail / f&b → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk peruncitan / f&b?

Pembiayaan invois, Geran padanan, Pembiayaan dagangan, Kemudahan modal kerja, Pembiayaan berjamin.

Adakah BijakDana beritahu saya layak?

Tidak. Kami hanya kata sesuatu skim mungkin sesuai. Kelayakan ditentukan oleh penyedia.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Anda memohon terus kepada penyedia.

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