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Business Loan 商业贷款

Business Loan

Purpose of SME Business Loan Financing

- Expansion of productive capacity
- Working capital; or CASH both

http://forum.lowyat.net/topic/405776 Malaysia SME Loan, Malaysia Business Loan , working capital 贷款申请, 企业融资 in Malaysia http://globalmalaysians.com/forum/forum_posts.asp?TID=603 Business Loan, Business Loan In Malaysia, 

Financing should not be used for:

- Purchase of shares
- Refinancing of existing credit facilities
- Purchase of land and properties for investment purposes


Eligibility Criteria SME Business Loan in Malaysia

- Shareholders’ funds min exceeding RM 50,000.00 
-

Malaysian-owned institutions (at least 51%) incorporated under the Companies Act 1965, the Co-operative Societies Act 1993, the Societies Act 1966, citizens residing in Malaysia and entrepreneurs registered under the Registrar of Business or any other authoritative bodies.
Must fall within the definition of SMEs 
Franchise businesses can apply under this scheme.

Malaysia SME Loan,Malaysia Business Loan , working capital 贷款申请, 企业融资 in Malaysia

Scheme 1

Eligible Sectors : All economic sectors except for money ex-change activity. (CGC or SJPP guarantee), at least 3 years company 
Maximum Financing Rate : 4% to 8.0% p.a
Maximum Tenure : Up to 7 years
Minimum Funding : RM 150,000
Maximum Funding 
Approval Time
: RM 5 million
: 1 to 2 months only

Scheme 2: 

Eligible Sectors : All economic sectors except for money ex-change activity & Entertainment, at least 3 years company (CGC guarantee)
Maximum Financing Rate : BLR + 1% to 2%
Maximum Tenure : 3 to 7 years
Minimum Funding : RM 100,000
Maximum Funding
Approval Time 
: RM 3,000,000
: 1 to 2 months

Scheme 3: 

Eligible Sectors : All economic sectors except for money ex-change activity & Entertainment, at least 5 years company
Maximum Financing Rate : BLR + 1% to 2%
Maximum Tenure : 3 to 5 years
Minimum Funding : RM 100,000
Maximum Funding 
Approval Time
: RM 350,000
: 2 weeks to 1 month

*** Important Criteria :

  1. NO CRIS, BLACKLIST, CTOS
  2. MUST have premis (shop, manufacture, office)

 

There are too many Working Capital packages in bank,
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中小企业贷款融资的目的

 扩大生产能力
 营运资金或现金都


,马来西亚马来西亚中小企业贷款http://forum.lowyat.net/topic/405776商业贷款,营运资金贷款申请,企业融资在马来西亚http://globalmalaysians.com/forum/forum_posts.asp?TID=603中商业贷款,商务贷款在马来西亚,

融资不应该被用于:


 购买股份
 现有信贷融资再融资
 购买土地及物业作投资用途

 

资格标准在马来西亚的中小企业商业贷款

 股东资金分钟超过RM 50,000.00
 马来西亚独资注册成立的机构(至少51%),根据1965年公司法令,合作社1993年法,社团法(1966),公民在马来西亚和企业家下登记注册的企业或任何其他权威机构。
必须属于中小型企业的定义
特许经营权的企业,可以申请这项贷款计划。

 


马来西亚马来西亚中小企业贷款,商业贷款,股本贷款申请,企业融资在马来西亚工作

方案1

合格部门:除了钱前变更活动的所有经济部门。 (CGC或SJPP担保),公司至少3年
最大融资利率:4%至8.0%p.a
最长任期:最多5年
最低资金:150,000马币
最大资金:  马币5万
审批时间::仅1个月至2个月


计划2:
合格部门:所有经济部门的除了钱当然变化的活动和娱乐,至少3年以上公司(CGC担保)
最大融资利率:最优惠利率+ 1%至2%
最长任期:3至5年
最低资金:RM 100,000
最大资金:RM 500,000
审批时间:1至2个月


计划3:
合格部门:所有经济部门的除了钱当然变化的活动和娱乐,至少5年公司
最大融资利率:最优惠利率+ 1%至2%
最长任期:3至5年
最低资金:RM 100,000
最大资金:RM 350,000
审批时间:2周〜1个月


***重要的标准:

NO CRIS,黑名单,CTOS
必须有PREMIS(车间,生产,办公)
工艺流程:***本公司将不会收到任何UP-FRONT付款***

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