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Grow your business with a complete range of financial solutions with Business Working Capital

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Business working capital

Grow your business with a complete range of financial solutions with Business Working Capital

Innovative one-stop financing facilities for businesses

Businesses can have the flexibility to select facilities based on needs so as to achieve better control of business cash flow and grow your business.

Business Working Capital eligibility and documents

Eligibility

  • Partnership / Private Limited Companies
  • Minimum 3 years of business operations
  • Applicant must be a company registered in Malaysia
  • At least 51% shareholding are Malaysian owned

Document required

  • Partnership 
    • NRIC or Passport of all partners

    • Registered business owned by 2 or more partners

    • Business Registration Form (Borang D) and Partnership Deed

    • Latest 6 months bank statements of main partnership account

    • Latest form B/BE (Income tax Return) of all partners

    • Professional certificate (if applicable) 
  • Private Limited Company (SDN BHD)
    • NRIC or Passport of all directors/shareholders/guarantors 
    • Board of Directors’ resolution 
    • Memorandum & Article of Association (or Constitution or confirmationunder Section 31(3) of Companies Act 2016)
    • Certificate of incorporation – Form 9 (or Form under Section 15 ofCompanies Act 2016)
    • Form 24, 44 & 49 (or Form under Section 78, 46(3), 58 of Companies Act 2016) 
    • Latest 6 months bank statements of main operating account 
    • Latest form B/BE (Income tax Return) of alldirectors/shareholders/guarantors (if applicable) 
    • Latest audited financial statements (if applicable) 
    • Personal guarantee(s) signed by directors/shareholders/key persons

FAQs

  • The Bank offers up to USD 2 Million  to cover your overdraft, working capital and foreign exchange hedging needs under Business Working Capital for successful application.

  • The facility size we grant will depend on each business’ financials such as sales turnover, overall banking facilities and exposure with other financial institutions and the value of your collateral pledged to the bank. We also offer Government Guarantee scheme to eligible SMEs.

  • We accept residential, commercial and industrial properties and cash collaterals. We also accept approved Government Guarantee Scheme

  • Our Business Working Capital facility requires you to maintain an operating account with us.Your account with us must have business inflows of at least 50% of the facility limit every quarter to qualify as an operating account. We know it takes time to move your business to a new bank, so we will only start measuring your business inflows 3 months from the month the facility is mad e available to you. Thereafter, the inflows in your account are measured once every calendar quarter. A shortfall fee of 1% per annum of the facility limit will be charged if the business inflows of at least 50% of the facility limit every quarter is not met.