• Provide financing scheme to Bumiputera franchisees for startup or business expansion in Malaysia
  • To encourage more Bumiputera in public and private sectors to venture into franchise business
  • To encourage registered cooperative to venture into franchise business in Malaysia
  • Focus on those who are involved in Voluntary Separation Scheme (VSS) or early retirement
  • Business owner must be 21 years old and above
  • Preference will be given to those with minimum qualification of Diploma
  • Entrepreneur is the owner/operator
  • Franchisor/Master Franchisee registered with Registrar of Franchise (ROF)
  • 100% equity owned by Bumiputera
  • Letter of Offer from Master Franchisor/Master Franchisee
  • Financing application through Sdn. Bhd. company for financing above RM250,000
  • Application by Sole Proprietor is limited to financing below RM 250,000
  • The business must be Syariah compliant
  • For application from cooperative body, it has to establish a Sendirian Berhad/Sdn. Bhd. status and franchise right has to be obtained from the franchisor

Financing Mode

  • Islamic Financing (Tawarruq Concept)

Financing Margin

  • Up to 70% of project cost

Financing Size

  • RM50,000 to RM2 Million

Profit Rate

  • 5.00% per annum (without property collateral)
  • 4.75% per annum (with property collateral).

Financing Tenure

  • Five (5) Year

All Financing schemes above are subject to the following conditions below:-
• Processing Fee – 0.5% of approved limit
• Legal Fee and Stamp duty – 3.0% of approved limit (Subject to variation and amendment)
• Training Fee: RM300
• Wakalah Fee: RM50
• Takaful Protection – (General and credit)