SKIM PEMBIAYAAN

Program Pembiayaan Projek Modal Kerja Islam TERAJU (i-WCPF) oleh microLEAP

Pembekal

Pembiayaan P2P microLEAP

Objektif

This digital initiative by TERAJU focuses on pre-sales and post-sales invoice financing, allowing companies to leverage their outstanding invoices to access funds for business expansion and outstanding invoices to access funds for business expansion and operational needs through working capital financing.
 

Jumlah Pembiayaan

  1. Up to RM1,000,000 per transaction
  2. Financing Tenure Up to 12 months

Dokumen Permohonan

Required Documents are:

  1. Applicants Identification (I/C)
  2. Guarantor Identification (I/C)
  3. Penyata bank 6 bulan terkini
  4. Akaun Diaudit Terkini
  5. Akaun Pengurusan Terkini
  6. Premis perniagaan (gambar)
  7. Gambar profil pemilik perniagaan
  8. Dokumen SSM Syarikat
  9. Invois

Remarks: The list of documents above is not exhaustive. Additional documents may be required as part of the application process.

Tujuan Pembiayaan

Kelayakan

Bumiputera Enterprises comprising Start-Ups to Medium-Sized Companies for scaling up and expansion. The following criteria set by TERAJU (provided always that the criteria do not contravene the Securities Commission (SC) Guidelines:

  1. Minimum of 51% Bumiputera shareholding in the company;
  2. Bumiputera status verified by the Ministry of Finance or equivalent (if applicable);
  3. Chief Executive Offer/ Managing Director/ majority of the company’s top management are Bumiputera;
  4. Companies must be incorporated in Malaysia under the Companies Act 2016.
  5. Not Sole proprietorship companies (Enterprise), conglomerates, Publicly Listed Companies and their subsidiaries, Government-Linked Companies (GLC) and Government-Linked Investment Companies (GLIC) and their subsidiaries, state government-linked companies and their subsidiaries, cooperatives, foundations, associations, and organizations.

Skop Pembiayaan

  1. Pre-Sales Invoice Financing
    This type of financing is provided before an invoice is issued. It helps businesses cover the costs of producing or delivering goods/services to a customer. It’s typically used when a business needs capital to fulfill an order but hasn’t yet invoiced the customer.
  2. Post-Sales Invoice Financing
    Post-invoice financing, also known as invoice factoring or accounts receivable financing, occurs after an invoice has been issued but before the customer pays. The business sells the invoice to microLEAP or borrows against the value of the invoice to improve cash flow while waiting for payment from the customer.

Prosedur Permohonan

Isi borang untuk mendapatkan pautan prosedur permohonan