BSN Microplus

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

BSN Microplus
Up to 7 years
Interest Rate
from 8.45% p.a.
Loan type
Interest Type
Flat interest rate
Approval in
30 days

Interest rates

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

You borrowLoan periodAnnual Sales TurnoverInterest Rate
RM50,000 - RM250,00012 to 84 monthsRM300,000 to RM50,000,0008.45% p.a.

Fees & Charges

Interest Rate / APR
As low as 8.45% p.a. depending on loan amount and period
Stamp Duty
Wakalah Fee
Brokerage Fee
Legal and Disbursement Fee
Early Termination Fee
Late Penalty Fee
 1%  from current outstanding amount
Processing Fee


Minimum Annual sales turnover
Maximum Annual sales turnover
Minimum Company Age
3 years
Malaysian Ownership
Who can apply
  • Malaysian Registered Companies.
  • Micro Enterprise,SME

More Information

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 them 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 8.45% 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. You can use it in Manufacturing, Service and either the Retail or Wholesale business sectors. 

Use it to grow your business, by 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 also 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 Citizens 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.
  • The majority of the company's shareholders or 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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