Business Financing
RM100,000 to RM10 million of Shariah-compliant financing — high margins, competitive profit rates and zero entry cost to grow resilient Bumiputera businesses.
Financing built to move you forward
High financing margin
Up to 90% of the approved project cost.
Competitive rate
Profit rates from 3.5% per annum.
Zero entry cost
No upfront entry cost to get started.
Syariah compliant
Financing structured on Shariah principles.
Online application
Apply end-to-end through PUNB Online.
Takaful protection
Covered under PUNB's panel Takaful protection.
Clear terms, no surprises
Headline figures for PUNB business financing. Final terms depend on your scheme, sector and approved project cost.
Are you eligible to apply?
PUNB business financing is open to Bumiputera-owned businesses that meet the following criteria. Final eligibility is confirmed during assessment.
Sole proprietorship, partnership, LLP or incorporated company (Sdn Bhd).
100% Bumiputera-owned for financing up to RM1m; ≥70% for above RM1m.
Applicant aged 18–55 years with good credit standing.
Minimum 18 months of business operation.
Minimum annual sales of RM300,000 with updated financial records.
Sectors we finance
PUNB focuses on high-potential, Shariah-compliant sectors. The list below shows what is covered and what falls outside our financing scope.
Covered sectors
Retail & Distributive Trade
Manufacturing & Engineering
System & Automation
Healthcare
Hospitality
Business Enablers
Creative Industries
Not covered
- Agriculture & Mining
- Housing & Property
- Financial Services
- Non-Syariah Compliant
Choose the scheme that fits your stage
Most popular
Grow to the next level
Supports competitive Bumiputera entrepreneurs with potential to advance in retail, distributive trade and manufacturing.
- Amount
- RM100,000 – RM1,000,000
- Tenure
- Up to 7 years
- Rate
- 3.5% p.a. (flat)
- Margin
- Up to 90% of project cost
Best for
Growing SMEs in retail, trade & manufacturing seeking working capital or fixed assets.
Scale with confidence
Larger financing for established Bumiputera companies ready to expand capacity and market reach.
- Amount
- Up to RM10,000,000
- Tenure
- Up to 7 years
- Rate
- 5% – 8% p.a.
- Margin
- Up to 90% of project cost
Best for
Established companies with a track record pursuing expansion.
Finance with purpose
Impact-driven financing for high-potential and emerging Bumiputera ventures creating measurable change.
- Amount
- From RM100,000
- Tenure
- Up to 7 years
- Rate
- Competitive
- Margin
- Up to 90% of project cost
Best for
Emerging and impact-focused ventures and startups.
Business financing questions
Ready to finance your next move?
Apply online in minutes, or chat with our team on WhatsApp to find the scheme that fits your business.