SJPP Teraju Bumiputera Healthcare – SME
Teraju Bumiputera Supply Chain Healthcare (BSC Healthcare) is to promote and enhance the participation of Bumiputera (ethnic Malay and other indigenous groups in Malaysia) entrepreneurs in the healthcare sector supply chain.
Purpose Of Financing
- For Working Capital Requirement (WCR); and/or
- For Capital Expenditure (CAPEX) – Excluding Property financing
Tenure
Up to 7 years
Financing Size
From RM500,000 up to RM10 Million
Profit Margin
Fixed at 5.00% p.a. – 5.25% p.a.
Guarantee Fee
1% per annum
BSC Healthcare Sectors Include
- Manufacturer or producer
- Wholesaler
- Trader; and
- Supplier including logistic
Eligibility Criteria
Malaysian SMEs that fulfill all of the following criteria shall be eligible for financing from the Facility:
- Meets the definition of SMEs issued by SME Corporation Malaysia;
- Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak
- Maximum shareholders’ funds not exceeding RM5 million;
- Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%; and
- Malaysians Bumiputera residing in Malaysia that hold a minimum of 60% shareholdings in the SMEs.
- Managing Director or CEO must be Bumiputera
- Majority of higher management personnel are Bumiputera.
Type of Facilities
Term financing only
Security & Support
- 80% guarantee from SJPP
- 20% cash margin/ guarantee from TERAJU
- Directors’ guarantee
- Upfront placement of 6 months FSRA
- Keyman Takaful & Fire Takaful
