Ikut bisnesBy business

Pembiayaan untuk francaisFinancing for franchise

Laluan pembiayaan yang biasanya sesuai untuk francais, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit franchise, and the real schemes that may fit — with the reasons. May fit, never a promise of approval.

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

17 skim terpilih mungkin sesuai untuk francais — 14 khusus sektor, 3 umum.17 curated schemes may fit franchise — 14 sector-specific, 3 general. Kebanyakannya pembiayaan dan ekuiti.Mostly financing and equity.

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:

  • Francais F&BF&B franchise — Francais perlu didaftar di bawah Akta Francais 1998 (Pendaftar Francais, KPDN).A franchise must be registered under the Franchise Act 1998 (Registrar of Franchises, KPDN). · sumbersource
  • Francais runcitRetail franchise — Francais perlu didaftar di bawah Akta Francais 1998 (Pendaftar Francais, KPDN).A franchise must be registered under the Franchise Act 1998 (Registrar of Franchises, KPDN). · sumbersource
  • Francais perkhidmatanServices franchise — Francais perlu didaftar di bawah Akta Francais 1998 (Pendaftar Francais, KPDN).A franchise must be registered under the Franchise Act 1998 (Registrar of Franchises, KPDN). · sumbersource
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 →
MARA Business Financing MARA

Pembiayaan bisnes untuk usahawan bumiputeraBusiness financing for bumiputera entrepreneurs

RM500,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
PUNB Enterprise Funding Perbadanan Usahawan Nasional Berhad

Dana runcit & perusahaan untuk bumiputeraRetail & enterprise funding for bumiputera

RM1,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
MIDF SME Financing Malaysian Industrial Development Finance

Pembiayaan PKS & industri (DFI)SME & industrial financing (DFI)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
TEKUN Nasional TEKUN Nasional

Pembiayaan mikro untuk usahawan kecil & bumiputeraMicro-financing for small & bumiputera entrepreneurs

RM300,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
BSN MikroKredit Bank Simpanan Nasional

Pinjaman mikro & bisnes kecilMicro & small-business loans

RM50,000 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 →
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 Rakyat SME Financing Bank Rakyat

Pembiayaan Islamik untuk PKSIslamic SME financing

— 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 →
PNS Franchise Financing Perbadanan Nasional Berhad (PNS)

Pembiayaan francais PNS untuk francaisi & francaisor bumiputeraPNS franchise financing for bumiputera franchisees & franchisors

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →
Franchisee Financing Scheme Perbadanan Nasional Berhad (Pernas)

Pembiayaan Pernas untuk francaisi — perniagaan 100% milik Bumiputera & patuh SyariahPernas financing for franchisees — business must be 100% Bumiputera-owned & Shariah-compliant

RM2,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
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 →
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 →

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:

  • Cradle Fund (CIP) (Cradle Fund) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MDEC Programmes (Malaysia Digital Economy Corporation) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MTDC Commercialisation Funding (Malaysian Technology Development Corp) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MBAN Angel Network (Malaysian Business Angel Network) — terhad kepada sektor quaternaryrestricted to quaternary 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

Sebelum mohon: lesen & pendaftaranBefore you apply: licences & registration

Fakta rasmi untuk bantu anda bersedia — bukan nasihat:Official facts to help you prepare — not advice:

  • Di bawah Akta Francais 1998, pemberi francais mesti mendaftarkan francaisnya dengan Pendaftar Francais sebelum mengendalikan perniagaan francais atau menawarkan francais itu untuk dijual.Under the Franchise Act 1998, a franchisor must register its franchise with the Registrar of Franchise before operating a franchise business or offering the franchise for sale. · sumbersource
  • Penerima francais yang diberi francais daripada pemberi francais tempatan atau master francais tempatan mesti mendaftarkan francais itu dengan Pendaftar dalam tempoh 14 hari dari tarikh menandatangani perjanjian.A franchisee granted a franchise by a local franchisor or local master franchisee must register the franchise with the Registrar within 14 days of signing the agreement. · sumbersource
  • Pemberi francais mesti menyerahkan salinan perjanjian francais dan dokumen pendedahan kepada bakal penerima francais sekurang-kurangnya 10 hari sebelum penerima francais menandatangani perjanjian.A franchisor must give the prospective franchisee a copy of the franchise agreement and disclosure documents at least 10 days before the franchisee signs the agreement. · sumbersource
Nilai bisnes anda duluValue your business first

Nilai francais →Value franchise → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk francais?

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

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.

Data disemak: 2026-09.Data checked: 2026-09.