• BNM Funded for SMEs – Primary Agriculture Sectors
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BNM Funded for SMEs – Primary Agriculture Sector


Financing is obtained for:


  1. Capital expenditure (e.g. purchase of machinery and equipment or renovation cost for owner-occupied business premises); or/and
  2. Working capital; and
  3. Development of agricultural projects.


  • Financing up to a maximum of RM5 million

  • Maximum Financing Tenure

    8 years from the date of first disbursement from BNM

  • Maximum financing rate is 3.75% per annum


Primary Agriculture Sector


SMEs in the primary agriculture sector  that fulfill the following criteria:

  • Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak;

  • Maximum shareholders’ funds not exceeding RM5 million;

  •               Malaysian residing in Malaysia

                  holding a minimum of 51%

                  shareholding in the SMEs

  • Business activities must be within Malaysia


  • Company write-up.

  • Certified true copy of Form 24, 44 & 49 and Memorandum & Articles of Association/Constitution or a written confirmation duly signed by a director confirming that the Company does not have a Constitution

  • Certified true copy of 3 years' Audited Accounts (not more than 18 months old from the application date) and latest Management / Draft Accounts (not more than 12 months old from the application date).

  • Top 3 suppliers and buyers.

  • Latest debtors and creditors ageing reports.

  • Existing bankers and banking facilities.

  • Latest 6 months’ Current Account statements with all banks.

  • Projected Profit & Loss Accounts & Cash Flow Projection for 2 years.

  • Information on net worth such as reported income, FD receipts, Borang BE etc.

  • Information on directors / shareholders / partners / prime mover's net worth.

  • Lists of completed projects, projects in-hand (inclusive of project tenure and % of completion) and projects tendered (if applicable).

  • Photocopy of property title / Valuation Report / Sale & Purchase Agreement.

  • Duly completed application form / Letter of Application.

  • Any other documents required by the Bank.






Low Interest / Profit Rate


*Terms and conditions apply.