Pembiayaan & geran untuk Agensi di Malaysia

Gambaran pembiayaan untuk sektor iniThis sector's funding at a glance

13 skim terpilih mungkin sesuai untuk agensi — 10 khusus sektor, 3 umum.13 curated schemes may fit agency — 10 sector-specific, 3 general. Kebanyakannya pembiayaan dan geran.Mostly financing and grant.

Had disahkan tertinggi: RM20,000,000 (Funding Societies Malaysia) — satu skim, bukan jumlah semua.Highest verified limit: RM20,000,000 (Funding Societies Malaysia) — one scheme, not a sum.

Jenis bisnes dalam sektor iniTypes of business in this sector

Pembiaya kerap minta pendaftaran/lesen ikut jenis bisnes — disenaraikan dengan sumber:Financiers often ask for a type-specific registration/licence — listed with the source:

Agensi pemasaran / kreatifMarketing / creative agency
PerundinganConsultancy
Agensi pengambilan pekerjaRecruitment agency

Laluan yang biasanya sesuaiRoutes that usually fit

Skim yang menyasarkan bisnes iniSchemes aimed at this business

Funding Societies Financing Funding Societies Malaysia

Pembiayaan modal kerja & invois (P2P berlesen)Working-capital & invoice financing (licensed P2P)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

SME Bank Financing SME Bank Malaysia

Pembiayaan PKS merentasi sektorSME financing across sectors

— Sahkan had dengan penyediaConfirm limit with provider

Laman rasmi →Official site → Butiran skim →Scheme details →

Bank Islam SME Financing Bank Islam Malaysia

Pembiayaan Islamik PKS (modal kerja & aset)Islamic SME financing (working capital & assets)

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

BNM Fund for SMEs Bank Negara Malaysia (via participating banks)

Dana BNM untuk PKS (melalui bank peserta)BNM-backed SME funds via participating banks

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

CGC Loan Guarantee Credit Guarantee Corporation

Jaminan pinjaman untuk PKS tanpa cagaranLoan guarantees for SMEs without collateral

RM10,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

Cradle Fund (CIP) Cradle Fund

Dana peringkat awal untuk startup teknologiEarly-stage tech-startup funding

RM600,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

MTDC Commercialisation Funding Malaysian Technology Development Corp

Dana pengkomersialan teknologiTech commercialisation funding

RM4,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

MBAN Angel Network Malaysian Business Angel Network

Pelabur angel untuk startup peringkat awalAngel investors for early startups

— Sahkan had dengan penyediaConfirm limit with provider

Laman rasmi →Official site → Butiran skim →Scheme details →

MDEC Programmes Malaysia Digital Economy Corporation

Geran & program ekonomi digitalDigital-economy grants & programmes

— Sahkan had dengan penyediaConfirm limit with provider

Laman rasmi →Official site → Butiran skim →Scheme details →

SME Digitalisation Grant MDEC / participating banks

Geran padanan untuk pendigitalan bisnesMatching grant to go digital

RM5,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source

Laman rasmi →Official site → Butiran skim →Scheme details →

Skim umum yang terbuka untuk bisnes iniGeneral schemes open to this business

Terbuka umum (termasuk anda), bukan khusus sektor ini — kelayakan ditentukan penyedia. Had disahkan & sumber ada di laman jenis pembiayaan setiap skim.Open generally (including you), not specific to this sector — the provider decides eligibility. Each scheme's verified limit & source are on its financing-type page.

Equity Crowdfunding (ECF) (SC-registered ECF platforms)
pitchIN (Pitch Platforms Sdn Bhd (SC-registered ECF))
Leet Capital (Leet Capital Sdn Bhd (SC-registered ECF))

Skim yang TIDAK terbuka untuk bisnes iniSchemes NOT open to this business

Sekatan sektor bersumber yang mengecualikan bisnes anda — ditunjukkan supaya anda tak buang masa memohon:Sourced sector restrictions that exclude your business — shown so you don't waste time applying:

MARA Business Financing (MARA) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary sectors · sumbersource
PUNB Enterprise Funding (Perbadanan Usahawan Nasional Berhad) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary sectors · sumbersource
MIDF SME Financing (Malaysian Industrial Development Finance) — terhad kepada sektor secondary/tertiaryrestricted to secondary/tertiary sectors · sumbersource
BERNAS Financing Programme (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
AGRO Kredit Mikro (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
AGRO Pembiayaan Padi (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource

Nilai bisnes anda duluValue your business first

Nilai agensi →Value agency → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk agensi?

Pembiayaan invois, Geran padanan, Pembiayaan dagangan, Kemudahan modal kerja, Geran.

Adakah BijakDana beritahu saya layak?

Tidak. Kami hanya kata sesuatu skim mungkin sesuai. Kelayakan ditentukan oleh penyedia.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Anda memohon terus kepada penyedia.