MATRADE

Eligible Applicants 1. SME & Service Provider

2. Cooperatives
3. Trade & Industry Associations/Chambers of
Commerce/Professional Bodies

SME & Service Provider

Requirements Must be:

1. Registered as MATRADE member
2. Incorporated under the Companies Act 1965
3. At least 60% equity owned by Malaysian
4. Exporting products made in Malaysia or Malaysian
services

SMEs

Manufacturing & Agro Based Companies

Annual sales not exceeding RM25mill OR full time
employees not more than 150

Trading Companies
Annual sales not exceeding RM5mill OR full time
employees not more than 50

Eligible activities: Activities Deadline Submission

1. International Trade Fairs locally or oversesas

2. Trade & investment missions or specialised marketing Wihthin 60 days from the last date o
missions oversea activity
3. International Conferences overseas
4. Display at MEEC, MATRADE
Within 60 days from the 1st day of
5. Listing fee in supermarket or hypermarket overseas listing
6. Registration on intellectual property (IP) overseas Within 60 days from the date of
7. International Certificate Overseas receipts or payments

Requirements Service Providers

Service Companies (exclude tourism, financial & insurance)
 Annual sales not exceeding RM25million OR full time
employees not more than 150

Professional Service Provider

Registered under the Professional Bodies
Annual sales not exceeding RM25mill OR full time
employee not more than 150

Eligible activities: Activities Deadline Submission

1. International Trade Fairs locally or oversesas
2. Trade & investment missions or specialised marketing
missions oversea Wihthin 60 days from the last date o
activity
3. International Conferences overseas
4. Display at MEEC, MATRADE
Within 60 days from the date of
5. Presentation to potential clients overseas presentation
6. Registration on intellectual property (IP) overseas Within 60 days from the date of
7. International Certificate Overseas receipts or payments

8. Initial set up cost of representative office overseas (3 Within 150 days from the date of
months of office rental) commencement of the representativ
office

Cooperative
Requirements 1. Registered as MATRADE member
2. Incorporated under the Cooperative Act 1993
3. At least 60% equity owned by Malaysian
4. The main business activity is for exporting
5. Exporting products made in Malaysia or Malaysian services

Annual sales not exceeding RM25mill OR full time

employees not ore than 150

Eligible activities: Activities Deadline Submission

1. International Trade Fairs locally or oversesas

2. Trade & investment missions or specialised marketing

missions oversea
Wihthin 60 days from the last date o
activity
3. International Conferences overseas

4. Display at MEEC, MATRADE

Within 60 days from the 1st day of
5. Listing fee in supermarket or hypermarket overseas listing
6. Registration on intellectual property (IP) overseas Within 60 days from the date of
7. International Certificate Overseas receipts or payments
 Trade & Industry Associations/Chambers of Commerce/Professional Bodies
Requirements 1. Registered as MATRADE member
2. Registered under the Registrar of Society (ROS) or
Associated Professional Body

Eligible activities: Activities Deadline Submission

1. International Trade Fairs held oversesas
2. Trade & investment missions or specialised marketing
missions oversea
3. International Conferences overseas
Wihthin 60 days from the last date o
4. Meeting related to mutual recogition agreement (MRA), activity
free trade agreement (FTA), ASEAN and World Trade
Organization (WTO)

5. Organizing international trade fairs or fairs & investment

mission or specialised marketing mission

Pre Determined Grants for SMEs, Cooperatives & Service Providers by Locations
Soft export (Art,
International Trade Fairs Held in Malaysia music, fashion &
design sectors)
RM10,000 RM15,000

TIM/SMM
Regions International Trade Fairs Overseas (RM) (RM)

Latin America 25,000 20,000

North America &
Canada 18,000 10,000
Europe 25,000 20,000
Africa 18,000 30000 10,000
Australia 10,000 (soft 6,000
Central Asia 25,000 export) 20,000
South Asia 12,000 5,000
West Asia 12,000 6,000
North East Asia 10,000 5,000
ASEAN 10,000 4,000

Pre Determined Grants for SMEs, Cooperatives & Service Providers by Activity
International Conference Overseas RM 5,000
Listing Fees in Supermarket/hypermarket overseas Max RM20,000 per country
Registration of IP overseas Max RM20,000 per country
International Certification Overseas Max RM20,000 per country
Initial set up cost of representative office overseas (for service provider) Max RM10,000 per country

Pre Determined Grants for Trade & Industry Associations/Chamber of Commerce/ Professional Bodies by Locations an
Activity

Regions International Trade Fairs Overseas (RM) Trade & Investment Mission (RM)

Latin America 25,000 20,000

North America &
Canada 18,000 10,000
Europe 25,000 20,000
Africa 18,000 10,000
Australia 10,000 6,000
Central Asia 25,000 20,000
South Asia 12,000 5,000
West Asia 12,000 6,000
North East Asia 10,000 5,000
ASEAN 10,000 4,000
Conference/Meetings 5,000

Pre Determined Grants for Trade & Industry Associations/Chamber of Commerce/ Professional Bodies by Locations
Regions Organising International Trade Fair/ Trade & Investment Mission (RM)
Latin America 7,000
North America &
Canada 5,000
Europe 7,000
Africa 5,000
Australia 3,000
Central Asia 7,000
South Asia 3,000
West Asia 3,000
North East Asia 3,000
ASEAN 3,000

How to apply 1. Register as MATRADE member

2. Fill up the form
3. Scan and upload supporting documents

Applicant MATRADE
Fill up the form by
online
 MOSTI
Types of Grant 1. Science Fund
2. Innofund

3. Community Innovation Fund

4. Technofund
Sciencefund
University & Research Institutions and Institutions of higher learning in p
Eligibile recipients Science, Technology and Innovation (STI)

Project Duration 30 months maximum

Quantum RM500,000 maximum

1. Scientific and technical merit: The project has the potential for further
Selection Criteria commercialisation

2. The research team must have the knowledge & competency to carry o
successfully to completion

3. Innovativeness of the research

4. High impact research; Measureable expected output and in line with N

Innofund
adline Submission Eligibile recipients Individual, Sole Proprietor, Micro Enterprises, Small Enterprises
- to encourage to develop new or improve existing product, process or se
innovation
days from the last date of
activity Project Duration Up to 12 months

Quantum Sole proprietor/individual: up to RM50,000

Micro Enterprise: up to RM500,000
days from the 1st day of Small Enterprise: up to RM500,000
listing
60 days from the date of
eipts or payments Community Innovation Fund

Eligibile recipients Community Group to encourage community to improve the quality of life
Tunggal

Project Duration 12 to 18 months

 Quantum up to RM500,000

Techofund
Eligibile recipients Researchers and other individual from:

- Small and Medium Enterprises

- Institutions of Higher Learning

adline Submission - Research Institutes
- Science, Technology and Innovation (STI) agencies

days from the last date of

activity
Project Duration up to 30months

60 days from the date of

presentation Quantum RM 3 million
60 days from the date of
eipts or payments Eligibility Criteria - 51% equity held by Malaysia

50 days from the date of

ment of the representative - paid up capital in cash of RM10,000
office
- none of the company directors or project team members have been dec
liquidation or place
- the proposed under
project receivership
must contain elements of technological innovation
commersialisation of innovative products, processes and services
- project leader must be competent

Funding can be used 1. pilot plant - equipment & supporting infrastructure

for; 2. IP Preparation & registration in Malaysia only - existing and new IP
3. market testing/assesment or evaluation
4. regulatory and standards compliance

5. expenditure for services - not exceed 20% of project cost

6. raw materials/ consumables
adline Submission 7. IP acquisition

1. Novelty - project proposal must be able to show the uniqnesss aspect

days from the last date of Approval Criteria of new product, new process, new technique or patentable.
activity
2. Technical Feasibility - will be evaluated to the capability to complete th
stipulated time

3. Laboratory Proof of Concept - evaluation will be made to establish viab

provide the feedback for budgeting
days from the 1st day of
listing
60 days from the date of How to Apply
eipts or payments

Apply
 Apply

odies
Receipt application

Administrative Vetting and V

(14days)
Fund Section

adline Submission

Classification according to fi
research & identifying anel
Evaluation Committee
Verify, Compile the evaluati
Strategic Committee Meeti
days from the last date of
activity (30 days)

Fund Approval Committee Circulation to Fund Approva

cations Members
(3 days)

MEEC

RM600

Presentation to Notify to applicant

Clients (RM) Fund Section (3days)

7,000

5,000
7,000
5,000
3,000
7,000
3,000
3,000
3,000
3,000

ctivity

00 per country
00 per country
00 per country
00 per country

al Bodies by Locations and

nvestment Mission (RM)

onal Bodies by Locations

Mission (RM)
 s of higher learning in public sector, Govt

he potential for further development and

& competency to carry out the research

output and in line with NKEA sectors

all Enterprises
g product, process or services with elements of

nd
mprove the quality of life eg: Persatuan Ibu
members have been declared bankrupt, under
technological innovation leading to
ses and services

existing and new IP

w the uniqnesss aspect of the product in term

patentable.
apability to complete the project within the

e made to establish viability , technical issues as

Receipt application

Administrative Vetting and Verify

(14days)

Classification according to field of

research & identifying anel of experts

Verify, Compile the evaluation repots,

Strategic Committee Meeting

(30 days)

Circulation to Fund Approval Committee

Members
(3 days)

Notify to applicant
(3days)
 Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Scheme limit RM 3 billion

Allocation;

Bumi companies RM1.5billion

Non Bumi RM1.5billion

Eligibility Criteria Bumiputera Companies

- 51% shares held by Malaysian
- incorporated under Companies Act 1965
- shareholders fund is not more than RM10mill

Non Bumiputera
- 51% shares held by Bumiputera as at Dec 2010
- incorporated under Companies Act 1965

- shareholders fund is not more than RM10mill

Financing Limit Min: RM50,000

Max: RM 5 million

Financing Tenure 5 years, not exceeding 31st Dec 2015 (Govt guarantee covered
until Dec 2015, after that will bear by the bank)
-70% of financing facility for financing between RM50,000 to less
Guarantee Cover than RM2million
- 50% of financing for financing from RM2mill - RM5million

Guarantee Fee 0.75% per annum payable upfront

Cancellation Fee RM100 per cancellation

Interest/financing to be determined by the respective participating financial

rates institution
Source of Funds From the participating financial institution

Process

Prepare loan docs & submit to Financial

Borrower Institutions

Govt
 Govt

Endorse

Participating
Financial Institutions SJPP

- Receive loan applications - Receive Guarantee applications

- Process and approve applications according to - Process and approve Guarantee
the internal policies applications on behalf of Govt
- Meet SJPP criteria - Issue Guarantee Cover to Particiaping
- Submit to SJPP for Guarantee Cover Financial Institutions
 Malaysia Debt Ventures Berhad (MDVB)

ICT - technologies for gathering, storing, retrieving, analysing and transmitting information
Focus on
Biotech - use of living organism or biological techniques to provide chemicals, drugs, food and
services
Green Technology - reduce negative environmental impact,improve productive of resources

Eligibility Criteria - public or private limited company corporated in Malaysia

- min paid up share capital of RM100,000
- minimum 5 employees
- no restriction on foreign shareholding
- with ICT/Biotech/Green/Clean Tech contracts

Application Criteria - Loan size: financing up to 85% of contract value or total project cost
- Loan tenure: between 1, 5, 10 years
- Loan repayment: flexible repayment terms that align to the cash flow
- Collateral: do NOT necessarily require harad and cash collaterals

Evaluation Criteria Management

- Business qualification track records

Technical
-technical team expertise and project management track records

Legal
- Updated statutory records

Financial
- viable project with strong margins, strong company assets/cashflow

Collateral

- direct assignment from contract/project sponsor, personal/corporate guarantee for commitment

Who MDV Finances

Malaysian companies that provide and procure high value added technology solutions & Malaysia
companies that provide goods to technology companies for producing high value added technology
products

Green Lane Policy

2% p.a interest/profit equalization payment:
- RM200,000 p.a
- RM1,000,000 p.a for 5 years
 Waiver of stamp duty on documentations

Requirement - Approval by one of 4 certification authorities - SME Corp, MTDC, Bio Tech Corp, MDeC
- Meets MDV product criteria

MDV Products:
Government Direct Contract
Description A special financing scheme extended to companies that have secured govt ICT related/BioTech or
Green Tech projects

Loan size up to RM5million & approval within 14 days-21 days

Financing up to 85% of contract value and a financing period of up 3 years

Profit rate 6.75% per annum, on daily basis and flexible repayment periods

Small Contract/Project Financing

Description Designed and customized for companies with ICT, Bio Tech and Green Tech contracts/project from
Govt, MNCs or have a commercialised product serving a ready market

Loan size
From RM250,000 up to RM2million, depending on risk profile with repayment periods up to 5 years

Financing up to 85% of contract value

Profit rate Fixed interest rate; 6-8% on daily basis and flexible repayment periods

Small Contract/Project Financing

Description To finance implementation of contract-backed projects to deliver ICT, Bio Tech and Green Tech as we
as high growth solutions

Loan size From RM2mill up to RM50mill can be considered, with repayment periods of between up to 5years
(ICT) and 10 years (Bio Tech/Green Tech)

Up to 85% of contract value or total cost of project, can be financed

Process

Apply

Discussion & Application support

Pre Assessment & Support

 Discussion & Application support

Pre Assessment & Support

Assesment & Evaluation

Pre-Due Diligence & Due
Diligence

Decision Approval, Issuance of Letter Offer

Facilities Agreement & Security Documents

Documentation

First Drawdown & Fulfillment of CP & Execution of Security

Disbursement Documents
 MIDF Finance Development Berhad

tting information

Project Loan, Property Mortgage Loan, Machinery or Equipment Loan, L

Product & services Facility
cals, drugs, food and

uctive of resources Project Loan

Purpose Financing of industrial/commercial land, construction of building & reno

premises
Loan Tenure up to 25 years (inclusive grace period)
Margin of finance up to 90% of the cost of the project

Property Mortgage Loan

Purpose Purchase of factory/warehouse/commercial lots
Loan Tenure up to 25 years (inclusive grace period)
Margin of finance up to 90% of the cost of the factory or shop lot purchased

Machinery or Equipment Loan

Purpose Purchase of machinery or equipment

Loan Tenure up to 7 years (inclusive grace period)

Margin of finance - up to 90% of the cost of new machinery or equipment

- up to 65% the cost of used/refurbished machinery or equipment (not

Leasing Facility - inclusive Leasing and Industrial Hire-Purcha

Purpose Financing for machinery or equipment
Loan Tenure up to 7 years (inclusive grace period)

Margin of finance - up to 90% of the cost of new machinery or equipment

- up to 65% the cost of used/refurbished machinery or equipment (not

Revolving Credit Facility

Sales Revolving Credit (SRC) Financing up to 80% of sales invoices

Purchase Revolving redit (PRC) Financing purchase of raw material up to 100%

arantee for commitment

Government Financial Assistance Programmes

ogy solutions & Malaysia
gh value added technology 1. Soft Loan Scheme for Small & Medium Enterprises (SLSME)
2. Soft Loan Scheme for Services Sector Capacity Development (SLSCD)
3. Soft Loan Scheme for Automation & Modernisation (SLSAM)

Soft Loan Scheme for Small & Medium Enterprises (SLSME

Purpose Financing existing SMEs s well as new SMEs in project, fixed assets and

h Corp, MDeC
t ICT related/BioTech or
h contracts/project from
ment periods up to 5 years
Tech and Green Tech as well
s of between up to 5years
Eligibility - SMEs incorporated under Companies Act 1965 or Registration of Busin
- at least 60% equity held by Malaysians
- if related to public listed company with shareholding not exceeding 20
- possess valid premises license
Sector - Manufacturing
- Services (exclude insurance & financial services)
Loan Size Min: RM50,000
Max: RM5million
Eligible Expenses Project financing, fixed assets and working capital financing
Margin of finance - up to 90% of the cost for new fixed assets
(Fixed assets) - up to 65% for used/reconditioned equipment which shall not be more
Margin of finance - up to 100% of the working capital requirement
(Working capital)
Payback period - Land and building - up to 25 years including grace period
- Machinery and Equipment - up to 7 years including grace period
- IT Equipment - up to 4 years includin grace period
- Revolving working capital - up to 150 days (subject to yearly review)
Interest Rate 4% per annum on yearly rest
Soft Loan Scheme for Services Sector Capacity Development (SL
Purpose - To assist services companies and enterprises to undertake upgrading a
into higher value added activities
- To improve productivity and efficiency of service delivery in facing libe
Eligibility -Companies/enterprises registered under Companies Act 1965 or Regis
or certificate of Practise with Professional Regulatory Bodies
- at least 60% equity held by Malaysians
- possess valid premises license
- in operational for at least 2 years
- annual turnover exceeding RM200,000 and full time employees excee
Sector Services (excluding financial, insurance, utility and construction)
Loan Size Min: RM50,000
Max: RM2,000,000
Eligible Expenses - purchase of equipment, hardware and software
Payback period - up to 7 years inclusive grace period of up to 24 months
 Margin of finance - up to 90% of eligible expenses

Interest Rate 4% per annum for SMEs

5% per annum for non SMEs

Soft Loan Scheme for Automation & Modernisation (SLSAM

Purpose To reduce number of worker especially foreign worker

Eligibility Only for Manufacturing sector

- Companies incorporated under Companies Act 1965 with
- at least 60% equity held by Malaysians
- possess valid business license
- in operation for at least 2 years

Loan Size Min: RM100,000

Max: RM5million for each applications

Margin of finance - up to 85% for new machinery and new equipment

- up to 60% for reconditioned machinery and equipment

Payback period - up to 7 years inclusive grace period of up to 24 months

Interest Rate 4% per annum for SMEs

5% per annum for non SMEs

tion of Security
s Eligible Expenses - Puchase of new or reconditioned automation related machinery and e
- Cost related to the installation, commissioning and related training as
machinery and equipment for investment in automation

- Purchase of software and computer perpherals related to the develop

Note: The above activities mst be result in a reduced number of foreign

Process

Borrower Submit the

Application

Financing Appraisal Team

Decision
 Decision

Preparation of Legal
Documents

Disbursement
ce Development Berhad

an, Machinery or Equipment Loan, Leasing Facility & Revolving Credit

Project Loan
and, construction of building & renovation of factory/business

rty Mortgage Loan

mmercial lots

or shop lot purchased

y or Equipment Loan

inery or equipment
shed machinery or equipment (not more than 5 years)

Leasing and Industrial Hire-Purchase

inery or equipment
shed machinery or equipment (not more than 5 years)

ving Credit Facility

of sales invoices

of raw material up to 100%

ment (SLSCD)

mall & Medium Enterprises (SLSME)

w SMEs in project, fixed assets and working capital financing
 ies Act 1965 or Registration of Business Ordinance 1965

with shareholding not exceeding 20%

ncial services)

working capital financing

equipment which shall not be more than 5 years old

requirement

including grace period

7 years including grace period
in grace period
50 days (subject to yearly review)

es Sector Capacity Development (SLSCD)

nterprises to undertake upgrading and modernisation for diversify

ncy of service delivery in facing liberalisation

under Companies Act 1965 or Registration of Business Ordinance 1965

sional Regulatory Bodies

,000 and full time employees exceeding 5

nce, utility and construction)

and software

d of up to 24 months
 tomation & Modernisation (SLSAM)
ally foreign worker

mpanies Act 1965 with

new equipment
nery and equipment

d of up to 24 months

automation related machinery and equipment

mmissioning and related training as well as maintenance of the
tment in automation

er perpherals related to the development of the automation system

sult in a reduced number of foreign worker employed

r Submit the
plication

Detailed Appraisal

Appraisal Team

Approved, Issue Letter of Offer

ecision
ecision

ation of Legal
Submission of documents to external
cuments solicitors

Submission of documents to MIDF to comply

ursement with disbursement conditions
Dana Mudahcara
Total sum :
Purpose :

Types of projects that qualify :

:

Project cost eligibility

:
Evaluation process

apply

pre assesment

evaluation & appraisal

approval
Additional documents to
attach?

Types of projects that are not

eligible to be considered for
the Facilitation Fund

Who is eligible for the

Facilitation Fund?
If success?
 RM 2 billion
- to support Bumi company which serve as tipping point for efficacious execution of qualified project

- cost of project not less than RM5mill (RM5mill - RM50mill)

- investment that has high impact to the economic growth
- have potential to create sustainable employemnet opportunities
- have potential to contribute the country's economic competitiveness
- technically feasible and commercially viable
- have strategic value; under NKEA sectors

1. RM 5mill - RM5o mill (to be assessed by Secretariat at each corridor economic region
2. more than RM50mill (to be assessed directly by TERAJU HQ only)
:
RM5mill - RM 50mill More than RM50mill

TERAJU @ Corridor
apply satelite, depends on the apply TERAJU HQ office
project location proposed
by applicant

e assesment
Sekretariat J/kuasa Dana asess by 3PU Present to JKAS
Mudah Cara at each region Committee

n & appraisal Conditional Approval letter

J/kuasa Dana Mudah Cara endorse by JKAS will issued by Govt

approval 1.Chief Executive of the Tripartite agreement to be

corridor formed;
2. CEO TERAJU Govt - BPMB - applicant
(to the applicant secure the
bal 85% financing of the total
project cost

Conditional Approval Letter

to be issued & sign the
agreement
Fund disbursement;
1. Progressive basis
2. Upon completion
(subject to deliberation by th
JKAS) by the appointed agen
Bank Pembangunan once
 Conditional Approval Letter
to be issued & sign the
agreement
Fund disbursement;
1. Progressive basis
2. Upon completion
(subject to deliberation by th
JKAS) by the appointed agen
Fund disbursement; Bank Pembangunan once
1. Progressive basis submitted completed docs
2. Upon completion
(subject to deliberation by the
Committee) once submitted
completed docs

Project will be monitored

by TERAJU, 3PU, JPM &
BPMB

1. The detail breakdown of cost per item;

- overall items for the total project cost
- Proposed items for Facilitation Fund reimbursement

2. the specific description on the nature/background of each item (if necessary)

Advisable; cost items should be corroborated by quantity surveyor verification

• in the financial/banking sector;

• in the incubator or R&D stage;
• which involve merger & acquisitions
• have received Government allocation and/or funded by funds provided by Government;
• Government procurement projects;
• Investment in foreign countries;
• Projects that are highly dependent on Government support;
• whereby the Government needs to bear a significant portion of the risks.

- The effective Bumiputera shareholding in the company is at least 51 percent [Priority

given to companies within the TeraS programme];

- For a Public Listed Company (PLC), at least 35% effective Bumiputera shareholding and
the CEO/MD or highest management position must be a Bumiputera;
- Company’s investment value in project should be at par or more than 50% of total fund
applied;

- Has the required capacity, ability, skills and experience required for project execution;

- Has strong financial position and able to secure commercial financing for the project
- will finance up to 15% of the project cost or RM30 million (whichever is lower).

- should be utilised for development of basic

infrastructure such as access road, bridges, utilities,
dredging, as well as for machinery and equipment.
More than RM50mill

TERAJU HQ office

Present to JKAS
Committee

Conditional Approval letter

will issued by Govt

Tripartite agreement to be
formed;
Govt - BPMB - applicant
(to the applicant secure the
bal 85% financing of the total
project cost

Fund disbursement;
1. Progressive basis
2. Upon completion
(subject to deliberation by the
JKAS) by the appointed agent
Bank Pembangunan once
 Fund disbursement;
1. Progressive basis
2. Upon completion
(subject to deliberation by the
JKAS) by the appointed agent
Bank Pembangunan once
submitted completed docs

Project will be monitored

by TERAJU, 3PU, JPM &
BPMB