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ROLLING EXPENDITURE ADVANCE CASH SCHEME ( i-REACH )

INTRODUCTION

 

i-REACH is a special financing scheme to finance short term contract of construction, civil, mechanical, engineering, landscaping and other simple contract. It is an affordable and complete financing package that requires no collateral. It offers working capital financing and bank guarantee to support contractors to perform deliver the project within the stipulated contract period.

BENEFIT

• Combination of working capital financing and bank guarantee
• No collateral
• Fast financing approval
• No processing fee, only 0.10% facility fees
• Financing amount from RM50,000.00 up to RM1 million (including the Kafalah Bank Guarantee)
• Competitive profit rate as low as 1.00% - 1.50% per month for working capital and services charge of 0.125% per month or minimum of RM100.00 for bank guarantee

SALIENT FEATURES
 

1. Purpose of Financing

• To finance construction, civil, mechanical, engineering, landscaping and other simple contract awarded by Federal Government, State Government, Government Agencies, Government Links Companies (GLCs) and its subsidiaries

2. Eligibility

• Applicant must be Small & Medium Enterprise with good credit records
• Obtained contract of construction, civil, mechanical, engineering, landscaping or other simple contract
• Contract awarder must be Federal Government, State Government, Government Agencies, Government Links Companies (GLCs) and its subsidiaries
• Contract period is short term i.e.not more than 12 month

3. Facility

• Kafalah Bank Guarantee : For Performance Bond as required in the contract

• Bai' Murabahah : For working capital requirement (pre-implementation financing)

4. Margin of Financing

• Kalafah Bank Guarantee : 100% from Performance Bond amount as required by contract awarded

• Bai' Murabahah : 80.0% from contract value or 100% from actual cost, whichever is lower

5. Tenure

• Kafalah Bank Guarantee : As per requirement by contract awarder

• Bai' Murabahah : Up to 180 days repayment period

PENGENALAN

i-REACH adalah skim pembiayaan khas untuk membiayai kontrak jangka pendek pembinaan, sivil, mekanikal, kejuruteraan, landskap dan kontrak mudah lain. Ia adalah pakej pembiayaan yang berpatutan dan lengkap yang tidak memerlukan cagaran. Ia menawarkan pembiayaan modal kerja dan jaminan bank kepada kontraktor sokongan untuk beroperasi menyampaikan projek itu dalam tempoh kontrak yang ditetapkan.

 

KELEBIHAN

• Gabungan pembiayaan modal kerja dan jaminan bank 

• Tiada cagaran

• Kelulusan pembiayaan cepat

• Tiada yuran pemprosesan, kemudahan hanya 0.10%

• Jumlah Pembiayaan dari RM50, 000.00 sehingga RM1 juta (termasuk Jaminan Kafalah Bank)

• Kadar keuntungan yang kompetitif serendah 1.00% - 1.50% sebulan untuk modal dan perkhidmatan kerja bertanggungjawab 0.125% sebulan atau minimum RM100.00 untuk jaminan bank

CIRI-CIRI UTAMA

1. Tujuan Pembiayaan

• Untuk membiayai pembinaan, sivil, mekanikal, kejuruteraan, landskap dan kontrak mudah lain dianugerahkan oleh Kerajaan Persekutuan, Kerajaan Negeri, Agensi Kerajaan, Pautan Kerajaan Syarikat (GLC) dan anak syarikatnya 

 

2. Kelayakan

• Pemohon mestilah Kecil & Sederhana dengan rekod kredit yang baik

• Kontrak Mendapat pembinaan, sivil, mekanikal, kejuruteraan, landskap atau kontrak mudah lain

• Kontrak awarder mestilah Kerajaan Persekutuan, Kerajaan Negeri, Agensi Kerajaan, Pautan Kerajaan Syarikat (GLC) dan anak syarikatnya

• Tempoh Kontrak adalah jangka pendek ienot lebih daripada 12 bulan

 
3. Kemudahan

• Jaminan Bank Kafalah: Untuk Bon Pelaksanaan seperti yang dikehendaki dalam kontrak

• Murabahah Bai ': Untuk keperluan modal kerja (pembiayaan pra-pelaksanaan)

 

4. Margin Pembiayaan

• Kalafah Jaminan Bank: 100% daripada jumlah Bon Pelaksanaan seperti yang dikehendaki oleh kontrak dianugerahkan

• Bai 'Murabahah: 80.0% daripada nilai kontrak atau 100% daripada kos sebenar, yang mana lebih rendah

 

5. Tempoh

• Jaminan Kafalah Bank: Sebagai satu keperluan oleh awarder kontrak

• Murabahah Bai ': Sehingga 180 hari tempoh pembayaran balik

 

 

 

Untuk Maklumat Lanjut :

 

Mana-mana Enterprise Centre / Business Centre

 

atau

 

www.smebank.com.my/web/guest/branch

 

atau

 

www.facebook.com/smebank

 

atau

 

www.twitter.com/sme_bank

 

 

 

For Business. For Growth. For Life.

About English Language

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