SME FINANCING
SME KT
Unlock Your Business Aspirations
Unlock your business aspirations with SME KT, the newest addition to KT's diverse
product lineup. Designed to cater to the needs of business entrepreneurs, our
objective is to provide comprehensive support to help them achieve their ambitious
business goals.
SME KT Products
Term Financing-i
Term Financing-i offers Shariah-compliant solutions tailored to cater to the requirements of contemporary SME entrepreneurs. With a margin of finance extending up to 100% of the project cost and a maximum financing limit of RM 10 million, it provides substantial support for business endeavors. Moreover, the Financing tenure spans up to 20 years (240 months), allowing flexible repayment options. Backed by competitive profit rates, Term Financing-i ensures that entrepreneurs can access the necessary funds to realize their business ambitions efficiently and effectively. Read more details of rates below/here.
For more information on Contract Financing or other products offered by Koperasi Tentera, visit www.raees.com.my
Unlock Your Business Aspirations
Unlock your business aspirations with SME KT, the newest addition to KT's diverse product lineup. Designed to cater to the needs of business entrepreneurs, our objective is to provide comprehensive support to help them achieve their ambitious business goals.
SME KT Products
Term Financing-i
Term Financing-i offers Shariah-compliant solutions tailored to cater to the requirements of contemporary SME entrepreneurs. With a margin of finance extending up to 100% of the project cost and a maximum financing limit of RM 10 million, it provides substantial support for business endeavors. Moreover, the Financing tenure spans up to 20 years (240 months), allowing flexible repayment options. Backed by competitive profit rates, Term Financing-i ensures that entrepreneurs can access the necessary funds to realize their business ambitions efficiently and effectively. Read more details of rates below/here.
For more information on Contract Financing or other products offered by Koperasi Tentera, visit www.raees.com.my
- Margin of finance up to 100% from the cost of project.
- Maximum financing limit up to RM 10 million.
- Financing tenure up to 20 years (240 months).
- Competitive profit rates.
- Small & Medium Enterprises (SMEs).
- Enterprise Companies (Single Ownership & Partnership).
- Private Limited Companies (Sdn Bhd).
- Cooperatives registered with SKM.
- Companies that have been in operation for at least two (2) years and above.
- Application forms.
- Certified Copy of Director and Shareholder / Owner / Partner Identification Card.
- Copy of accounts for the last 3 years.
- Statement of current / savings account for the last 6 months.
Processing Fee | 0.5% to 1.0% of the approved financing amount. |
Support Letter / Contract Award (CA) Form |
|
Valuation Report | Based on the valuer's charges plus an additional RM200 per report. |
Advance Payment for Taxes (Land Tax and Assessment Tax) | RM50 will be charged for each advance payment made by the KT on behalf of the customer. This charge will be added to the customer’s financing balance. |
Takaful Administration Fee | RM100 for the administration and management of Takaful protection related to the charged property. |
Post-Dated Cheque Fee | RM20 per cheque. |
Foreign Currency Transfer Fee | RM100 per transaction. |
Statement of Account |
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Early Settlement Quote | RM100 per request. |
Confirmation Letter, Consent Letter or Audit Confirmation | RM150 per request. |
Copies of Security Documents with or without Certified True Copy (CTC) | RM50 per request. |
Note: All fees and charges are subject to an 8% Sales and Service Tax (SST), where applicable, in accordance with the implementation by the Government of Malaysia effective from 1 July 2025.