BizJamin/-i Business Recapitalisation Facility (BRF) Scheme

Benefits

  • Accessible to: All SMEs seeking financing through the Business Recapitalisation Facility (BRF) under Bank Negara Malaysia (BNM). Open to SMEs across various sectors aiming to enhance their capital structure by managing their debt-to-equity (D/E) ratio through capital expenditure. Available via selected Participating Financial Institutions (PFIs). MSMEs can apply for a CGC guarantee linked to their financing at the PFIs.
  • Comprehensive Coverage: Includes Term Financing, Cash Line Facilities, Trade Facilities and more.

 

Eligibility

  • Business Types: Open to Sole Proprietorships, Partnerships, Limited Liability Partnerships, Private Limited Companies and Professional business entities.
  • Local Incorporation: Businesses must be locally incorporated or registered in Malaysia, with at least 51% Malaysian shareholding.
  • Shariah Compliance: For the Islamic guarantee scheme, based on the Kafalah contract, businesses must maintain Shariah-compliance throughout the guarantee tenure.

Features

  • Purpose of Financing: Working Capital and/or Capital Expenditure.
  • Guarantee Amount: Up to a maximum financing amount of RM5 million.
  • Guarantee Period: Up to 10 years.
  • Guarantee Coverage: Between 30% to 80% of the financing amount.
  • Corporation Charge: 1.50% per annum. 
  • Financing Profit Rate: Up to 5.00% per annum (inclusive of Guarantee Fee).

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