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Dive into our FAQ section to get answers to all your questions about PUNB funding, programs, and support. Your journey to entrepreneurial success begins here!
Neobsahuje maxreal
SECTION 1: FINANCING & SERVICESA. What is the business financing offered by PUNB?PUNB has an integrated business financing package known as Pembiayaan PROSPER which offers financing from RM100 thousand to RM10 million. B. How long is the PUNB business financing tenure?The PUNB business financing tenure is up to 7 years. C. Is the financing tenure applicable to all businesses?The maximum financing period is 7 years; however, it is subject to final approval based on the assessment of all types of businesses. D. What is the profit rate of PUNB business financing?The profit rate imposed is 5% – 8% per annum (subject to the financing purpose and terms and contitions). E. I was made to understand that apart from business financing assistance, companies will be given some value-added assistance. What type of value-added assistance is provided by PUNB?Yes, besides business financing assistance, companies will receive advisory support, business performance monitoring and business development through entrepreneurial courses and training. F. Can PUNB business financing be used to repair or renovate existing business premises?Yes. Among the uses of PUNB business financing according to the financing scope that has been set are working capital, business premises renovation and equipment/machine. G. I was informed that PUNB also offers premises for rental services to entrepreneurs. What should I do if I am interested to rent with PUNB?The premises for rental are limited to units owned by PUNB only. If you are interested and want to know more information about the units that are still vacant, please refer to the PROSPER HARTANAH menu on the PUNB official portal. H. What type of businesses require collateral to obtain financing?PUNB does not impose additional collateral for most financing below RM1 million. However, PUNB may impose additional collateral conditions if the financing has a high risk based on the Credit Score carried out. I. What type of collaterals are required by PUNB for one to get the financing?Cash Upfront/DepositSinking FundAsset – property (free from claimable by any party) J. I would like to apply for second financing and have collateral on the first financing with PUNB. Do I need to provide other collateral for the second financing?There is no need for additional collateral if the value of collateral for the first financing is sufficient to cover the value of collateral required for the second financing and the balance of the first financing combined.SECTION 2: ELIGIBILITY REQUIREMENTSA. What are the eligibility requirements for PUNB business financing application?In general, the eligibility requirements for PUNB business financing are as follows:Sole proprietorship/partnership/incorporated companiesFinancing up to RM 1 million, must be 100% owned by BumiputeraFinancing above RM1 million, at least 70% owned by BumiputeraAnnual sales of not less than RM300 thousandA company in operation for 18 months and aboveUpdated financial recordsGood credit records with other financial institutionsHowever, eligibility requirements are subject to the type of Business Financing applied. Please refer to the BUSINESS FINANCING menu on PUNB official portal for more information. B. What is the age limit for PUNB business financing applicants?The minimum age limit is 18 years old and the maximum is 55 years old. However, if the applicant is over 55 years old, the applicant must have a director or a business partner to ensure the business continues to operate should anything happen to the applicant (primary owner). C. I run a business with a non-Bumiputera partner. Am I eligible to apply?You are eligible to apply provided the business is owned and controlled by Bumiputera at the shareholding and operating levels. D. I am the owner of several companies. Are my companies eligible to apply?Yes, provided that the companies conduct business separately and are not related to each other. E. I am still working and have my own business. Am I eligible to apply for PUNB business financing?Yes, you can apply. However, eligibility is subject to the business operation period for at least (minimum) 18 months and you need to operate the business on a full-time basis. F. I own a business in a foreign country. Can I apply for business financing from PUNB?You may apply the financing for a business in a foreign country, provided that the business has a headquarters in Malaysia and is controlled by Bumiputera. G. If I have received a loan from another financial institution, am I eligible to apply for PUNB business financing?You are eligible to apply from PUNB provided that the application does not overlap or be used to pay existing financing with other financial institutions.SECTION 3: FINANCING SECTORA. What are the criteria of a business preferred by PUNB?PUNB prioritizes highly innovative businesses with high integration of downstream and upstream values, customer-friendly, technologically adaptable and scalable. B. What business sectors are covered by PUNB?The business sectors covered by PUNB are as follows:Retail & Distributive TradeManufacturing & EngineeringSystem & AutomationHealthcareHospitalityBusiness Enablers (software developers, logistics, warehouse & delivery)Creative (handicraft, gifts, painting, fine art (calligraphy), animation (infographic), interior design and fashion) C. I want to purchase new machinery for my manufacturing facility. Am I eligible to apply?Yes. Provided that the new machinery is related to automation systems & equipment to increase the productivity of business processes. D. What business sectors are non-covered by PUNB?The business sectors non-covered by PUNB are as follows:Agriculture & MiningHousing & PropertyFinancial (funding and leasing of monetary and non-monetary, bitcoin, foreign exchange (forex), mortgage tax and remittance service)Business contrary to syariah principles E. I am running a livestock farming business. Am I eligible to apply?PUNB does not provide financing for livestock and plantation sectors. However, PUNB can assist downstream businesses related to the industry. For further information, please contact our Customer Service at 1300 13 7862 or email [email protected].
Kovové špiceTCX MX/Enduro pro všechny modely 2PUNB pár objednejte v eshopu přímo od specialisty. Kovové špiceTCX MX/Enduro pro všechny modely 2PUNB pár skladem na motocheb.cz
Chauvin Arnoux je výrobce široké škály měřicích přístrojů pro měření v údržbě a elektrotechnice. Blue Panther je přímým dovozcem a autorizovaným distributorem.
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