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Business Financing

PROSPER GROW or PROSPER GREAT or PROSPER IMPACT/NOVA

Explore financing options tailored for new applicants to kickstart or expand their business with PUNB. Learn about eligibility, application requirements, and how PUNB supports entrepreneurs in achieving their goals.

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Pembiayaan PROSPER

Provide an integrated financing package comprising advisory support, business monitoring performance and business development through courses and entrepreneurial training.

Financing Amount

Financing from RM100 thousand up to RM10 million (except for petrol stations up to a maximum of RM500 thousand only)

  • 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 once the application is approved.
  • Up to 7 years
  • 5% – 8% per annum (subject to the purpose of financing)
  • Business/company must be 100% bumiputera-owned for financing up to RM1 million, while financing exceeding RM1 million requires a minimum of 70% equity ownership and control by bumiputera.
  • Business/company 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/company must be registered with The Companies Commission of Malaysia or Local Authority (if SSM is unavailable).
  • Updated financial records for operational business/company.
  • Syariah compliant businesses
  • Good credit record with all relevant financial institutions.
  • Meet the documentation requirements during the application and disbursement of financing.
  • Working capital
  • Machine and equipment
  • Business premises renovation
Disclosure Sheet
Download Flyers
Financing Calculator

SPEED

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
  • Up to 7 years
  • 5% per annum at flat rate
  • 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
  • Working capital
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Impact

A financing package for entrepreneurs to support 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 once the application is approved.
  • Up to 5 years
  • Up to 6.5% per annum on daily rest basis
  • Business/company must be 100% bumiputera-owned for financing up to RM1 million, while financing exceeding RM1 million requires a minimum of 70% equity ownership and control by bumiputera.
  • Business/company must be in operation for 18 months and above with annual sales value not less than RM300 thousand.
  • Business/company must be registered with The Companies Commission of Malaysia or Local Authority (if SSM unavailable).
  • Obtain an offer/appointment letter from organisation/company/agency recognised by PUNB.
  • Contract offer must be under the approved sector financed by PUNB.
  • Updated financial records of the business/company.
  • Syariah compliant job contract offer.
  • Meet the documentation requirements during the application and disbursement of financing.
  • Maximum working capital up to 90% of the contract/project value
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Grow

Financing scheme designed to support the growth of competitive Bumiputera entrepreneurs with potential to advance to a higher level in the retail, distributive trade and manufacturing sectors.

Financing Amount

Financing is available for: 

  • Sole Proprietorship / Partnership / Limited Liability Partnership (LLP):
    Financing ranges from RM100,000 and up to RM500,000.
  • Private Limited Company (Sdn Bhd):
    Financing ranges from RM100,000 and up to RM1,000,000.
  • Up to 7 years
  • 5% per annum on flat rate basis
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Sole Proprietorship, Partnership and Limited Liability Partnership (LLP) must be 100% owned by Bumiputera individuals.
  • Private Limited Company (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operations

  • The business/company must have been in operation for a minimum of 18 months.

Annual Sales

  • The business/company must record minimum sales of RM300,000 over a
    12-month period.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.
  • General Working Capital (including the purchase of stock/inventory, automation, digitalisation, and the adoption of Environmental, Social and Governance (ESG) requirements.)
  • Purchase of Fixed Assets (including equipment, renovation works, automation, digitalisation and certification.)
  • Financing-related costs.
  • Up to 90% of the approved project cost, subject to PUNB’s assessment and approval.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Great

Provide financial assistance for high-potential Bumiputera companies to strengthen sustainability, diversify, and transform in strategic sectors (including Services, Manufacturing, Engineering) approved by PUNB, including high impact industries, renewable energy, green technology and advanced manufacturing.

Financing Amount

Financing is available for Private Limited Companies (Sdn Bhd), with amounts ranging from a minimum of RM1,000,000 up to a maximum of RM10,000,000.

  • Up to 7 years
  • 5% per annum on flat rate basis
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Private Limited Companies (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operations

  • The business/company must have been in operation for a minimum of 36 months.

Annual Sales

  • Minimum annual sales of RM3 million, based on the latest audited financial statements.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.
  • General Working Capital (including the purchase of stock/inventory, automation, digitalisation, and the adoption of Environmental, Social and Governance (ESG) requirements.)
  • Purchase of Fixed Assets (including equipment, renovation works, automation, digitalisation and certification.)
  • Financing-related costs.
  • Up to 90% of the approved project cost, subject to PUNB’s assessment and approval.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Impact/Nova

PROSPER Impact

To provide financial assistance to companies for executing projects and contracts awarded by reputable organization.

To provide financial assistance to companies for executing projects and contracts awarded by government, with payments secured through e-Perolehan and remitted directly to PUNB.

To provide financial assistance to companies for executing projects or contracts awarded by PUNB Strategic Partners with secured payments and remitted directly to PUNB.

Financing Amount

Financing is available for: 

Sole Proprietorships / Partnerships / Limited Liability Partnerships:

  • Financing from RM100,000 up to a maximum of RM1,000,000.
  • Financing exceeding RM1,000,000 must be upgraded to a Private Limited Company (Sdn Bhd).

Private Limited Companies (Sdn Bhd):

Financing of up to a maximum limit of each program:

  • IMPACT up to RM5,000,000
  • IMPACT e-Perolehan up to RM20,000,000 
  • NOVA up to RM20,000,000
  • Up to 7 years
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Sole Proprietorship, Partnership and Limited Liability Partnership (LLP) must be 100% owned by Bumiputera individuals.
  • Private Limited Company (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operation

  • The business/company must have been in operation for a minimum of 24 months.

Annual Revenue

  • Must record a minimum revenue of RM500,000 over a 12-month period.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.

Project or Contract

  • Must be awarded by reputable organisations, the Government e-Procurement system, or PUNB Strategic Partners.
  • General Working Capital (activities related to supply and the implementation of projects or contracts).
  • Financing-related costs.
  • Up to 90% of the value of each project or contract secured by the companies acceptable to PUNB 
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER IMPACT (e-PEROLEHAN)

A Shariah-compliant financing package designed to provide working capital funding for contracts awarded by the Federal Government through the e-Perolehan system.

Financing Amount

Financing from RM100,000 up to RM5 million (subject to the value of awarded contract)

  • Open to sole proprietorships/partnerships/limited liability partnerships/private limited companies (Sdn. Bhd.);
  • Sole-proprietorships and partnerships may apply for financing of up to RM1 million; and
  • Limited liability partnerships and private limited companies (Sdn. Bhd.) may apply for financing of up to RM5 million
  • Up to 5 years (subject to duration of the contract and credit evaluation)
  • Up to 6.5% per annum on a daily rest basis
  • Open to new applicants and Rakan Usahawan PUNB
  • 100% Bumiputera ownership for financing up to RM1 million
  • At least 70% Bumiputera shareholding and management for financing above RM1 million
  • Registered with SSM or Local Authority (for Sabah & Sarawak)
  • Obtain a letter of award/appointment from the Government
  • Updated financial records
  • Good credit record with all related financial institutions
  • Meet the financing documentation requirements
  • Syariah compliant businesses

  • Up to 90% of the contract/job value (Surat Setuju Terima – SST)

Disclosure Sheet
FAQ
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Financing Calculator

PROSPER Automotif - Lubrex Booster Program

The Lubrex Booster Program is a collaborative effort between PUNB and Prowheels Distributor (M) Sdn Bhd (PDMSB) aimed to foster the growth of PDMSB’s Lubrex oil distributor business. Under the program, Lubrex oil distributor entrepreneurs appointed by PDMSB will receive business financing from PUNB. PDMSB provides comprehensive services including corporate image and business monitoring, entrepreneurship training and advisory support.

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 once the application is approved.
  • Up to 7 years
  • 4% per annum at flat rate
  • Business/company must be 100% bumiputera-owned for financing up to RM1 million, while financing exceeding RM1 million requires a minimum of 70% equity ownership and control by bumiputera.
  • Business/company must be registered with The Companies Commission of Malaysia or Local Authority (if SSM unavailable).
  • New or existing business/company that obtain a valid appointment letter from Prowheels Distributor (M) Sdn Bhd.
  • Updated financial records for operational business/company.
  • Good credit record with all relevant financial institutions.
  • Meet the documentation requirements during the application and disbursement of financing.
  • Inventory
  • Machine and equipment
  • Related business premises renovation
  • Must obtain an ID number from PUNB Officer to apply for financing through PUNB Online.
  • For further information, please contact PUNB Customer Service Officer at 1300 13 7862.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Automotif - PETRONAS Auto Expert

Petronas Auto Expert is a collaborative effort between PUNB and Petronas Lubricant Marketing (Malaysia) Sdn Bhd (Petronas) aimed at assisting appointed entrepreneurs in expanding their car workshop businesses under the Petronas Auto Expert brand. Under the program, Petronas provides training, promotion, development funding and business equipment to entrepreneurs.

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 once the application is approved.
  • Up to 7 years
  • 4% per annum at flat rate
  • Business/company must be 100% bumiputera-owned for financing up to RM1 million, while financing exceeding RM1 million requires a minimum of 70% equity ownership and control by bumiputera.
  • Business/company must be registered with The Companies Commission of Malaysia or Local Authority (if SSM unavailable).
  • New or existing business/company that obtain a valid appointment letter from Petronas Lubricant Marketing (Malaysia) Sdn Bhd.
  • Updated financial records for operational business/company.
  • Good credit record with all relevant financial institutions.
  • Meet the documentation requirements during the application and disbursement of financing.
  • Inventory
  • Machine and equipment
  • Related business premises renovation
  • Must obtain an ID number from the Monitoring Officer to apply for financing through PUNB Online.
  • For further information, please contact your Monitoring Officer or Customer Service Officer at 1300 13 7862.
Disclosure Sheet
Financing Calculator

JUMPER (FINANCING)

Business financing package for PUNB JumPER Program alumni which includes advisory support, business performance monitoring and business development.

Financing Amount

Term financing from RM20 thousand up to RM100 thousand

  • Sole proprietorships/partnerships/limited liability partnerships/incorporated
  • Up to 7 years
  • 3.5% per annum at flat rate
  • 100% owned by bumiputera
  • Business/company must be registered with The Companies Commission of Malaysia or Local Authority (if SSM unavailable)
  • Participated in the PUNB JumPER Program
  • Obtained a valid support letter from the JumPER mentor
  • Application date within 3 years from the JumPER Program completion date
  • Requires a qualified guarantor
  • Updated financial records for operational business/company
  • Good credit record with all relevant financial institutions
  • Meet the financing documentation requirements
  • Working capital
  • Machine and equipment
  • Business premises renovation
  • Must obtain an ID number from the Monitoring Officer to apply for financing through PUNB Online.
  • For further information, please contact Customer Service Officer at 1300 13 7862.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER AP

A financing package designed for businesses selling used motor vehicles and motorcycles that hold a valid Open Approved Permit (AP) issued by the Ministry of Investment, Trade and Industry Malaysia (MITI).

Financing Amount

Up to RM5 million

  • Up to 7 years
  • 5% – 8% per annum (subject to the purpose of financing)
  • 100% Bumiputera-owned business
  • Must be a Private Limited Company (Sdn Bhd)
  • Holds a valid Open Approved Permit (AP) for the latest 3 years
  • Registered with the Malay Vehicle Importers and Traders Association of Malaysia (PEKEMA)
  • Sound audited financial statements for the latest 2 years
  • Maintains a good credit record for at least one (1) year with all relevant financial institutions
  • Meet the financing documentation and fund disbursement requirements
  • Other criteria as approved by PUNB*


*Subject to terms and conditions

  • Working capital
  • Business premises renovation
  • Financing applications can be submitted via PUNB Online
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER IMPACT (PERNISMA)

A financing solution designed to support working capital needs for business sales/contracts/projects secured from Tenaga Nasional Berhad (TNB) and/or its subsidiaries.

Financing Amount

Up to RM5 million

  • Up to 5 years

  • Up to 5% per annum based on a daily rest

  • 100% Bumiputera-owned business
  • Open to private limited company (Sdn Bhd)
  • Registered with the Persatuan Rakan Niaga Strategik Malaysia (PERNISMA)
  • Good credit record with all relevant financial institutions
  • Sound audited financial statements for the latest 2 years
  • Shariah compliant business
  • Meet the financing documentation and fund disbursement requirements
  • Other criteria as approved by PUNB*


*Subject to terms & conditions

  • Working capital up to a maximum of 90% of each contract/project value

  • Financing applications can be submitted via PUNB Online
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Grow

Financing scheme designed to support the growth of competitive Bumiputera entrepreneurs with potential to advance to a higher level in the retail, distributive trade and manufacturing sectors.

Financing Amount

Financing is available for: 

  • Sole Proprietorship / Partnership / Limited Liability Partnership (LLP):
    Financing ranges from RM100,000 and up to RM500,000.
  • Private Limited Company (Sdn Bhd):
    Financing ranges from RM100,000 and up to RM1,000,000.
  • Up to 7 years
  • 5% per annum on flat rate basis
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Sole Proprietorship, Partnership and Limited Liability Partnership (LLP) must be 100% owned by Bumiputera individuals.
  • Private Limited Company (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operations

  • The business/company must have been in operation for a minimum of 18 months.

Annual Sales

  • The business/company must record minimum sales of RM300,000 over a
    12-month period.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.
  • General Working Capital (including the purchase of stock/inventory, automation, digitalisation, and the adoption of Environmental, Social and Governance (ESG) requirements.)
  • Purchase of Fixed Assets (including equipment, renovation works, automation, digitalisation and certification.)
  • Financing-related costs.
  • Up to 90% of the approved project cost, subject to PUNB’s assessment and approval.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Great

Provide financial assistance for high-potential Bumiputera companies to strengthen sustainability, diversify, and transform in strategic sectors (including Services, Manufacturing, Engineering) approved by PUNB, including high impact industries, renewable energy, green technology and advanced manufacturing.

Financing Amount

Financing is available for Private Limited Companies (Sdn Bhd), with amounts ranging from a minimum of RM1,000,000 up to a maximum of RM10,000,000.

  • Up to 7 years
  • 5% per annum on flat rate basis
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Private Limited Companies (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operations

  • The business/company must have been in operation for a minimum of 36 months.

Annual Sales

  • Minimum annual sales of RM3 million, based on the latest audited financial statements.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.
  • General Working Capital (including the purchase of stock/inventory, automation, digitalisation, and the adoption of Environmental, Social and Governance (ESG) requirements.)
  • Purchase of Fixed Assets (including equipment, renovation works, automation, digitalisation and certification.)
  • Financing-related costs.
  • Up to 90% of the approved project cost, subject to PUNB’s assessment and approval.
Disclosure Sheet
Download Flyers
Financing Calculator

PROSPER Impact/Nova

PROSPER Impact

To provide financial assistance to companies for executing projects and contracts awarded by reputable organization.

To provide financial assistance to companies for executing projects and contracts awarded by government, with payments secured through e-Perolehan and remitted directly to PUNB.

To provide financial assistance to companies for executing projects or contracts awarded by PUNB Strategic Partners with secured payments and remitted directly to PUNB.

Financing Amount

Financing is available for: 

Sole Proprietorships / Partnerships / Limited Liability Partnerships:

  • Financing from RM100,000 up to a maximum of RM1,000,000.
  • Financing exceeding RM1,000,000 must be upgraded to a Private Limited Company (Sdn Bhd).

Private Limited Companies (Sdn Bhd):

Financing of up to a maximum limit of each program:

  • IMPACT up to RM5,000,000
  • IMPACT e-Perolehan up to RM20,000,000 
  • NOVA up to RM20,000,000
  • Up to 7 years
  • 6.5% per annum on daily rest basis
  • 6.75% per annum on monthly rest basis
    (subject to the purpose of financing)

Bumiputera Ownership

  • Sole Proprietorship, Partnership and Limited Liability Partnership (LLP) must be 100% owned by Bumiputera individuals.
  • Private Limited Company (Sdn Bhd) must have at least 51% Bumiputera ownership, in accordance with the prescribed Bumiputera Policy.

Operation

  • The business/company must have been in operation for a minimum of 24 months.

Annual Revenue

  • Must record a minimum revenue of RM500,000 over a 12-month period.

Shariah Compliance

  • Business activities must be in compliance with Shariah principles.

Project or Contract

  • Must be awarded by reputable organisations, the Government e-Procurement system, or PUNB Strategic Partners.
  • General Working Capital (activities related to supply and the implementation of projects or contracts).
  • Financing-related costs.
  • Up to 90% of the value of each project or contract secured by the companies acceptable to PUNB 
Disclosure Sheet
Download Flyers
Financing Calculator
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