Business Financing
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.
PROSPER Impact/Nova
PROSPER Impact
To provide financial assistance to companies for executing projects and contracts awarded by reputable organization.
PROSPER Impact (e-PEROLEHAN)
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.
PROSPER Nova
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
Financing Tenure
- Up to 7 years
Profit Rate
- 6.5% per annum on daily rest basis
- 6.75% per annum on monthly rest basis
(subject to the purpose of financing)
Eligibility Requirements
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.
Financing Scope
- General Working Capital (activities related to supply and the implementation of projects or contracts).
- Financing-related costs.
Financing Margin
- Up to 90% of the value of each project or contract secured by the companies acceptable to PUNB
How To Apply
- Financing application is through PUNB Online
