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Business & Financing

New Applicant

Explore financing options tailored for new applicants to kickstart or expand your 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, business and entrepreneurial development through courses and 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.
  • 5% – 8% per annum (subject to the purpose of financing)
  • Up to 7 years
  • 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
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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
  • 5% per annum at flat rate
  • Up to 7 years
  • 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 6.5% per annum on daily rest basis
  • Up to 5 years
  • 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 project value
Disclosure Sheet
Download Flyers
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.
  • 4% per annum at flat rate
  • Up to 7 years
  • 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 the Monitoring Officer to apply for financing through e-mohon / PUNB Online at PUNB official portal.
  • For further information, please contact your Monitoring Officer or 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.
  • 4% per annum at flat rate
  • Up to 7 years
  • 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 e-mohon / PUNB Online at PUNB official portal
  • For further information, please contact your Monitoring Officer or Customer Service Officer at 1300 13 7862
Disclosure Sheet
Financing Calculator

JumPER PLUS

Pakej pembiayaan perniagaan khas untuk alumni di bawah program anjuran JumPER PUNB

Gabungan Pembiayaan
Jumlah PembiayaanGeran Perniagaan

RM20 ribu bagi setiap syarikat

Minimum RM20 ribu sehingga RM50 ribu (bergantung kepada jumlah kos projek)*

  • Sehingga 3 tahun
  • 3.5% setahun (ke atas jumlah pembiayaan)
  • Berumur 33 tahun dan ke bawah.
  • Telah mengikuti Program JumPER PUNB.
  • Perniagaan/Syarikat didaftarkan sebagai entiti milikan tunggal/perkongsian/perkongsian liabiliti berhad atau syarikat diperbadankan.
  • Tidak pernah menerima pembiayaan dan/atau geran daripada PUNB.
  • Rekod kredit baik dengan institusi kewangan berkait.
  • Menjalankan perniagaan sepenuh masa.
  • Kriteria lain yang diluluskan oleh PUNB*.
  • Modal kerja
  • Stok
  • Mesin dan peralatan
  • Ubah suai premis perniagaan
  • Perlu mendapatkan No. ID untuk memohon pembiayaan melalui e-mohon / PUNB Online di portal rasmi PUNB.
  • Keterangan lanjut, sila hubungi Pusat Khidmat Pelanggan.
Risalah Pembiayaan

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