• TEMANIAGA RINTIS-i
    Empowering Micro Startup to Scale Further

    Features

    • Financing Purpose: Working Capital / Capital Expenditure
    • Financing Period: 1 - 7 years
    • Financing Amount: RM5,000 - RM100,000
    Shariah Concept

    This financing facility is based on the Tawarruq (Commodity Murabahah) concept, a Shariah-compliant financing arrangement. Under this arrangement:

    • The Bank purchases and sells a commodity to you on a deferred payment basis.
    • The commodity is then sold to a third party to provide the financing amount.

    The facility also uses the Wakalah (Agency) concept, where you authorise the Bank to purchase and sell the commodity on your behalf as part of the financing process.

    APPLY NOW
    TEMANIAGA RINTIS-i
    Empowering Micro Startup to Scale Further

    Features

    • Financing Purpose: Working Capital / Capital Expenditure
    • Financing Period: 1 - 7 years
    • Financing Amount: RM5,000 - RM100,000
    Shariah Concept

    This financing facility is based on the Tawarruq (Commodity Murabahah) concept, a Shariah-compliant financing arrangement. Under this arrangement:

    • The Bank purchases and sells a commodity to you on a deferred payment basis.
    • The commodity is then sold to a third party to provide the financing amount.

    The facility also uses the Wakalah (Agency) concept, where you authorise the Bank to purchase and sell the commodity on your behalf as part of the financing process.

    APPLY NOW

BSN Micro-i TemaNiaga Rintis provides financing under the BNM-CGC Portfolio Guarantee-i Startup (BNM-CGC PG-i) Scheme to support your working capital needs and business growth.

ELIGIBILITY

  • Micro Enterprises - Sole Proprietorship, Partnership, Limited Liability Partnership, Private Limited Company (Sdn. Bhd.).

  • Malaysian owned business.
  • Business registered with Companies Commission of Malaysia (CCM) / Local Authority (LA).

  • Business has been in operation for at least six (6) months and not more than four (4) years.

Required Documents

A copy of Identification Card of the Proprietor / Partners / all Directors (if applicable)

A valid Business Registration with CCM or Business License with Local Authority (LA)
Latest six (6) months of bank account statement
Latest one (1) month water bill or electricity bill for the business premises
Any other supporting documents as required by the Bank

FLOATING RATE

  • SBR + 5.25% p.a., inclusive of guaranteed fee

NOTE:

SBR may increase or decrease following changes in the Overnight Policy Rate (OPR) set by Bank Negara Malaysia. Refer here for further details on SBR.

Get Started with our Financing Calculator

Wish to know how much you would be paying every month? Let us help you get started. 

{{lang == 'en' ? 'Kindly enter your financing details' : 'Masukkan butiran pembiayaan anda di sini'}}

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{{lang == 'en' ? 'Disclaimer :' : 'Penafian :'}}
{{lang == 'en' ? ' This calculator serves as an estimate only. It is provided for illustrative purposes and is based on the accuracy of information provided. It does not constitute a quote. BSN shall not be responsible for any inaccuracies or errors resulting from the use of this calculator.' :'Kalkulator ini berfungsi sebagai anggaran sahaja. Ia disediakan untuk tujuan ilustrasi dan adalah berdasarkan ketepatan maklumat yang diberikan. Ia bukan merupakan sebut harga. BSN tidak akan bertanggungjawab terhadap sebarang ketidaktepatan atau kesilapan yang disebabkan oleh penggunaan kalkulator ini.'}}

LATE PAYMENT CHARGES (LPC) 

Late Payment Charges will be charged based on Ta’widh (Compensation).

During financing PeriodLate Payment Charges (LPC) not exceeding 1% per annum will be imposed on the overdue monthly instalment payment in the event you fail to pay any monthly instalment within the stipulated period from the first disbursement of the financing until its maturity date.
After the completion of financing periodPrevailing daily overnight Islamic Interbank Money Market (IIMM) rate will be charged for failure to pay the total outstanding balance after maturity or upon judgment obtained, whichever earlier.



HOW DO I APPLY?

NOTES:

Visit our branch

Visit our nearest Business Financing Centre for more information OR download our Application Form HERE.

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