Support your business recovery today with
RHB SME Mall Retailers Financing Programme.

The unexpected may take your business off course. To counter the cashflow crunch, rising costs of raw materials and staffing challenges, we are here ready to put your business recovery efforts back on track.

Programme Period:
1 January 2022 – 30 June 2022*

Let RHB progress together with your business

Financing limit up to RM500,000
Exclusively for SMEs

Financing limit up to RM75,000
Exclusively for Micro-enterprises

A collective financing limit is applicable to Micro-enterprises and SMEs with
common shareholders of equal to or more than 20% shareholding.

Here's what you need to know

Term Loan/Commodity Murabahah Term Financing-i under Targeted Relief and Recovery Facility (TRRF)

Effective financing
rate as low as
3.5% p.a.

(Inclusive of 0.5% guarantee fee
absorbed by RHB)

Up to 7 years (Inclusive of 6 months moratorium on payments)

80% of
financing amount

  • Covered by Credit Guarantee Corporation Malaysia Berhad (CGC) or Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
  • No collaterals required

Eligibility Criteria

Malaysian SME
At least 51% shares must be held by Malaysians.

Only SMEs which qualify as per SME definition and entitlement by National SME Development Council are eligible.

SMEs in Services Sectors
Valid for those affected by reintroduction of COVID-19 containment measures since June 2020.

Special Recipients
Recipients of Special Relief Facility (SRF) and PENJANA SME Financing (PSF) are eligible for the programme up to the aggregate limit of RM500,000 per SME.

Must have a minimum of 1 year of active tenancy contract with your Mall Operator.

Note: All applications are subjected to the Bank’s final decision.

Digitalise your business journey
with RHB Reflex Premium Plus

RHB Reflex Premium Plus is all-in-one online banking
eco-system that manages your financial, sales,
accounting, Human Resource and other processes.
All the automated solutions your business requires.
All you ever needed to build better business efficiency.

Save up to RM1,000
on first-year subscription.

List your business with
#JomSapot BeliLokal

At RHB, we support your business by giving it the
exposure it needs with our #JomSapot campaign.
Just list your business on our online platform,
it’s that easy!


Upload images of your products and promotions to a dedicated #JomSapot page of your own.


RHB will assist to publish your content on Facebook, YouTube, Instagram and Google.


Traffic from the advertisements will be directed to your #JomSapot page where your customers can make contact.


RHB will reward your customers with cashback for supporting your business.

I’m interested!
Leave your details below so we can get in touch with you.
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