BSN Microplus

Conventional SME loan for working capital for SMEs in the Manufacturing, Services, Retail or Wholesale sector, offering higher financing up to RM250,000 at a flat interest rate.

    • Financing up to RM250k
    • Up to 7 years tenure
    • Loan
    • 30 days approval
  • Borrow: RM 
    How Long: years
    My monthly sales turnover: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

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Interest rates

How much the bank charges you based on your loan amount & loan period

You BorrowLoan PeriodAnnual Sales TurnoverInterest Rate
RM50000 - RM250000 12 to 84 monthsRM300000 to 50000000 9.7% p.a.

Fees & Charges

There are always fees but how much are they?

Interest Rate / APR
As low as 9.7% p.a., depending on loan amount and period
Stamp Duty
Late Penalty Fee
1% from current outstanding amount


Are you eligible for this business loan?

Minimum annual sales turnover
Maximum annual sales turnover
Minimum company age
3 years
Who can Apply
  • Malaysian Registered Companies
  • Micro Enterprise
  • SME
Malaysian Ownership

Frequently Asked Questions about BSN Microplus

Things you might want to know

What does BSN Microplus have to offer?

BSN Microplus is a conventional business loan offered by Bank Simpanan Nasional to micro and small businesses. It is an opportunity for these business owners to expand and grow their businesses, taking it to new heights.

This financing plan allows you to borrow anything from RM50,000 to RM250,000 with a flat profit rate from as low as 9.7% p.a. with a financing period of 1 to 7 years.

What can I finance with this business loan?

With this business loan, you have several choices when it comes to investing your capital in. You can use it in Manufacturing, the Service and either the Retail or Wholesale business sectors. 

Use it to grow your business, with buying machinery or equipment, as well as to manage your daily expenses.

Who can apply for BSN Micro Plus?

To be eligible for this particular business loan, applicants must meet the definition of Micro, Small or Medium Enterprise owners as given by the National SME Development Council. They must have a satisfactory financial track record with BSN or any other financial institution

Aside from this, applicants must also meet the following requirements:

  • Malaysian Citizen between the age of 21 and 60 years old.
  • The business has been operating continuously in the same line of activity/industry for at least 3 years.
  • Existing Micro Finance customer of BSN.
  • Majority of the company's shareholders or the business proprietors are Malaysian.
  • Possess valid registration certification and licensed with the Companies Commission of Malaysia (CCM) or local government authorities/government bodies.

How can I pay back the instalment?

There are several ways you can choose to pay your instalments, among them are manual via your savings or current accounts, using a bank transfer, or even an auto-debit facility.

On that note, you can even do manual bank-ins at any ATM or online banking facility convenient to you.

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