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PUNB Financing and Services

BUSINESS FINANCINGBUSINESS FINANCING
ENTREPRENEUR DEVELOPMENTENTREPRENEUR DEVELOPMENT
PROSPER HARTANAHPROSPER HARTANAH
JUMPER PROGRAMJUMPER PROGRAM
PUNB INITIATIVESPUNB INITIATIVES

Usahawan Nasional Webzine

Success doesn’t come from ability and interest, but must be accompanied by continuous efforts that never fade. We share the experiences of PUNB entrepreneurs who have succeeded in making a name in the arena of entrepreneurship.

Kapten Batik Beri Sentuhan Batik Moden Kontemporari

Kehadiran pereka fesyen duo iaitu Ekram Faiz dan Farhan Omar dalam memartabat warisan seni batik Malaysia ternyata berjaya menambat hati masyarakat dengan mengetengahkan corak dan rekaan moden yang eksklusif.

Technerve Tawar Solusi Digital

Untuk bergelar seorang usahawan, anda haruslah berani menempuh cabaran untuk mengecapi kejayaan. Jom ikuti kisah kejayaan Rakan Usahawan, Muslim Abdullah Zaik, pengusaha Technerve Technology Solutions Sdn Bhd yang amat menginspirasikan ini!

JR Sejagat Solution Cipta ‘Fenomena Baru Dengan Rasa Klasik’

Memang senang untuk memulakan perniagaan tapi bukan mudah untuk terus mengekalkanya. Namun, demi menerokai pengalaman baharu, Mohd Jaffar bin Robani sanggup mengambil risiko bagi memulakan perniagaan sendiri dengan menjual dodol, sagun dan kek tradisional lain di Merlimau, Melaka.

Beyond Home Therapy Tawar Sesi Terapi Bantu Tahap Perkembangan Kanak-kanak

Beyond Home Therapy diterajui oleh Puan Maryam binti Mohd Jamadi sejak 2017. Ianya menawarkan tiga perkhidmatan berbeza iaitu sesi terapi cara kerja kanak-kanak secara persendirian, sesi latihan berkumpulan iaitu Intensive Development Program (IDP) dan sesi pelaporan pembangunan dan penilaian.

Kepuasan Pelanggan Keutamaan Debob Coffee

Saksikan kisah kejayaan Mohd Hafez Sorani, #RakanUsahawanPUNB, pengusaha restoran Debob Coffee yang menawarkan pelbagai menu kopi dan makanan citarasa barat pasti menambat hati.

SPEED (Small PROSPER Express Evaluation & Disbursement) is a small-scale retail financing package with simplified assessment and disbursement processes

Financing Amount

Term financing from RM100 thousand up to RM200 thousand

  • Sole proprietorships/partnerships/limited liability partnerships

Financing Tenure

  • Up to 7 years

Profit Rate

  • 5% per annum at flat rate

Eligibility Requirements

  • 100% bumiputera-owned business
  • Business must be in operation for 18 months and above with annual sales value not less than RM300 thousand. Exceptions are for education, professional, and petrol station sectors
  • Business must be registered with The Companies Commission of Malaysia or Local Authority (if SSM is unavailable)
  • Updated financial records for operational business
  • Syariah compliant business
  • Good credit record with all relevant financial institutions
  • Meet the documentation requirements during the application and disbursement of financing

Financing Scope

  • Working capital

How To Apply

Financing application through e-mohon at PUNB official portal

Disclosure Sheet Financing Calculator Financing Flyers

Pembiayaan tertakluk kepada terma & syarat

An additional financing package for Rakan Usahawan PUNB to support its working capital needs for contracts secured from reputable organisations/companies/agencies such as the federal or state governments, government-linked companies, multinational companies or statutory bodies.

Financing Amount

Financing from RM100 thousand up to RM5 million

  • Application open to all sole proprietorships/partnerships/limited liability partnerships/ incorporated
  • Sole proprietorships and partnerships applying for financing of RM300 thousand and below can maintain with the existing entity. For applications exceeding RM300 thousand, the entity must be incorporated if the application is approved

Profit Rate

  • Up to 6.5% per annum on daily rest basis

Financing Tenure

  • Up to 5 years

Eligibility Requirements

  • Must be a Rakan Usahawan PUNB
  • Meet the good credit record requirements with PUNB and other financial institutions
  • Obtain an offer/appointment letter from an organisation/companies/agencies recognised by PUNB
  • Syariah compliant job contract offer
  • Contract offer must be under the approved sector financed by PUNB
  • Meet the documentation requirements during the application and disbursement of financing

Financing Scope

  • Maximum working capital up to 90% of the project value

How to Apply

  • Must obtain an ID number from the Monitoring Officer to apply for financing through e-mohon at PUNB official portal
  • For further information, please contact your Monitoring Officer or Customer Service Officer at 1300 13 7862
Disclosure Sheet Financing Calculator Financing Flyers

Financing subject to terms & conditions