Pembiayaan PROSPER (PUNB)
Overview
Financing (to repay — not a free grant) for Bumiputera entrepreneurs, ranging from about RM100k up to RM10 million. Restructured from 1 Jan 2026 into Grow / Great / Impact, with PROSPER Grow's profit rate cut to 3.5% p.a. A Takaful plan is mandatory.
Who is eligible?
- Must have an active SSM business registration.
- Business should be operating for at least 6 months.
- Open only to Bumiputera-owned businesses.
- Target sectors: Retail, Services, Food & Beverage, Manufacturing.
- Best for funding needs like: general.
What this grant covers
- General business growth — advisory, capacity building and operational improvements.
- Provided as financing you repay over an agreed term — not a free grant.
How to apply
- 1
Check you qualify
Confirm you meet the eligibility points above for this grant.
- 2
Get your documents ready
Prepare your documents — SSM business registration, company financials, and quotations or a project proposal for what you want funded.
- 3
Apply through the official channel
Submit your application to PUNB — Business Financing (Pembiayaan PROSPER); if approved, the financing is disbursed and repaid over an agreed term.
- 4
Keep records & claim
Keep receipts and reports, and submit claims or progress updates as the programme requires.
Ready to apply?
Applications are handled on the official PUNB — Business Financing (Pembiayaan PROSPER) portal.
Need a hand with this application?
Post what you need on the EquatorBiz Marketplace — consultants and service providers WhatsApp you directly. Free for businesses.
Frequently asked questions
Is Pembiayaan PROSPER (PUNB) still open?
It's currently listed as "Open". Intake windows can change at short notice, so always confirm on the official source before applying.
How much funding can I get?
RM100k – RM10M (financing). The exact award depends on your project and the agency's assessment.
Do I need an SSM-registered business?
Yes — you need an active SSM business registration to be eligible.
Is it only for Bumiputera-owned businesses?
Yes — this grant is open only to Bumiputera-owned businesses.
How long must my business have operated?
Your business should have been operating for at least 6 months.
Which businesses or sectors does it support?
It targets these sectors: Retail, Services, Food & Beverage, Manufacturing.
Who manages this grant?
It's administered by PUNB.
Not sure if you qualify?
Run a free eligibility check or ask EquatorBiz's advisor about this grant.
General information only — grant terms and intake windows change. Always confirm the latest details on the official portal before applying. Last verified by EquatorBiz on 26 Jul 2026.
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