MARA Business Financing Scheme


To provide financing facility to encourage more Bumiputera participation in business as well as to enhance the quality of Bumiputera entrepreneurs in the small and medium business industries.

Maximum financing rate : 4% per annum

Maximum tenure : Up to 15 years based on the financing scheme

Maximum financing : RM500,000 based on the financing scheme

Participating financial institutions / Implementing Ministry / Agency

Eligibility criteria

  • Malay or Bumiputera aged 18 years old and above
  • Obtained the necessary licence/permit/approval letter from authorities to operate the business
  • Provide owned capital at least 10% of the project's cost
  • Full-time in the running of the business
  • Provide adequate collaterals
  • Required to attend entrepreneurial course if business experience is less than 6 months

Purpose of financing
Assets acquisition and working capital

Eligible sector / Types of financing
All sectors

Type of assistance / Form of financing
General financing scheme

  • Business financing for Professional (RM250,000)
  • Financing for transportation business (RM250,000)
  • Business financing for Mini Market (RM250,000)
  • Business financing for ex-IKM/Giat trainees (RM50,000)
  • Business financing for ex-trainee under MARA Programmes (RM250,000)
  • Agriculture financing (RM250,000)
  • Financing without collateral or guarantee (RM50,000)
  • Business financing for Taxi services

Contract financing

  • Financing for General/Fixed Contract (RM250,000)
  • Financing for Sub-contractor under umbrella concept (RM250,000-RM500,000)
  • Repeat financing for excellent contractors (RM250,000-RM500,000)

Special financing for manufacturing and Franchise

  • Manufacturing, services, tourism services (RM500,000)

Application procedure
Application to be submitted to MARA

Majlis Amanah Rakyat (MARA)
Tingkat 26, Bangunan Medan MARA
Jalan Raja Laut
50609 Kuala Lumpur
Tel: 03-2691 5111
Fax: 03-2691 3620
Website: www.mara.gov.my



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