SME Financing

At HSBC, we believe in your vision just as much as you do. Through our lending solutions, we aim to give you access to the funding you need to help you take your business to an even greater level of success.
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SME Financing

With the economic disruption from COVID-19, working capital is key for you to keep your business going.
Our wide array of financing solutions can help you in rebuilding your business and stay optimal in this new market reality.

Government Financing Facilities

Bank Negara Malaysia Financing Facilities

Agrofood Facility
An allocation of RM1 billion, to increase food production for Malaysia and for export purposes. Eligible SMEs can obtain financing of up to RM5 million for a tenure of up to 8 years. The financing rate is capped at 3.75% p.a. Available from 6 March 2020 onwards.

SME Automation and Digitalisation Facility
An allocation of RM300 million to incentives SMEs to improve productivity and efficiency. Eligible SMEs can obtain financing of up to RM3 million for a tenure of up to 10 years. The financing rates is at 4.00% p.a. Available from 6 March 2020 to 31 December 2020.

Targeted Relief and Recovery Facility
An allocation for SMEs in services sector affected by COVID-19 containment measures. Eligible SMEs can obtain financing of up to RM500K for a tenure of up to Up to 7 years including a repayment moratorium of at least 6 months. The financing rate is at 3.50% p.a. Available until 31 December 2020 or full utilisation, whichever is earlier.

All Economic Sector Facility
An allocation of RM6.8 billion, to enhance access for financing for SMEs in all economic sectors. Eligible SMEs can obtain financing of up to RM5 million for a tenure of up to 5 years. The financing rate is capped at 7% p.a. Available from 6 March 2020 onwards.

Micro Enterprise Facility
An allocation of RM300 million, to increase access to collateral-free financing for micro enterprises. Eligible SMEs can obtain financing of up to RM50,000 for a tenure of up to 5 years. The financing rate will be determined by HSBC. Available from 6 March 2020 onwards.

Government Guarantee Schemes

Government Guarantee Scheme for SMEs
Eligible companies can obtain up to RM10 million of financing with a guarantee of up to 80% of total credit facilities. The guarantee fee is between 0.75% p.a. to 1% p.a. SMEs with more than 50% export-based revenue can obtain 2% rebate on interest/profit rate.

*Initiatives by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Simplified SME Financing

From running your business daily to going into a new venture, we can support your working capital needs. With a high financing limit and no tangible collateral*, you can gain quicker access to funding for your business needs.

*Guarantee from Syarikat Jaminan Pembiayaan Perniagaan (SJPP) is required.

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Enabling new business opportunities even without a credit facility.

Whether you're expanding your growing business or setting up new opportunities in new markets, you get access to easy loans, including same-day turnaround1 for bank guarantee & letter of credit, without the need to tie up your capital.

1Subject to availability of Trade Account and submissions within relevant cut-off time as advised by HSBC Bank Malaysia Berhad

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HSBC World Business MasterCard®

Enjoy up to a 50-day interest free period and save on business expenses with the HSBC World Business Card. Other benefits include CashBack for business-related expenses, complimentary travel insurance and merchant discount benefits.

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Expand your business with financing solutions.

Optimise your working capital by using the right financial solutions to grow your business. With HSBC, you can access working capital with zero or minimum collateral.

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Release Your Cash Trapped In Sales Cycle

An innovative working capital solution, HSBC Receivables Financing (RF) solution gives you access to cash from your receivables as soon as you invoice your customers, so you don’t have to wait weeks or months for your payments to arrive. With this alternate financing source, HSBC RF solution helps you improve your business cash flow and supports your growth ambitions.

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