Grants for Bumiputera-owned businesses
Government funding open specifically to Bumiputera SMEs in Malaysia — what you qualify for, and how to apply.
BizJamin Bumi/-i 2.0 Guarantee Scheme
Not a cash grant — the Bumiputera variant of CGC's BizJamin 2.0: CGC guarantees between 30% and 90% of your bank financing, up to RM5 million per MSME, so participating banks can approve it. Guarantee period up to 15 years, risk-based guarantee fee of 0.50%–4.20% per annum. Covers working capital, asset acquisition, operations cost, renovation (reimbursement basis) and refinancing across term financing, cash line and trade facilities. Open to sole proprietorships, partnerships, LLPs, private limited companies and professional entities registered in Malaysia with at least 51% Bumiputera shareholding. Conventional and Islamic (Kafalah-based) versions; apply through participating financial institutions.
Pembiayaan PROSPER (PUNB)
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.
TEKUN Niaga Financing Scheme
Micro-financing (a repayable loan, not a grant) for small businesses, with a focus on Bumiputera entrepreneurs. Financing comes in three tiers: Skim Pembiayaan Mikro RM1,000–RM10,000 and Skim Pembiayaan Kecil RM10,001–RM50,000, both repayable over up to 5 years, and Skim Pembiayaan Sederhana RM50,001–RM100,000 over up to 10 years, at a 4% rate per year. Open to all business sectors including retail, services, manufacturing, agriculture, online business and small contractors. Applicants are generally Malaysian citizens aged 18–60 with a valid SSM registration or licence and a full-time business, and must join the group takaful cover. Non-Bumiputera entrepreneurs can apply under the Skim TEMAN TEKUN.
SUPERB (Skim Usahawan Permulaan Bumiputera)
Conditional grant for young Bumiputera founders aged 21–40 starting a new company (3 years old or less, 51%+ Bumiputera), offering RM100,000 at idea stage and up to RM500,000 at commercial stage. Historically run in pitch windows about four times a year. TERAJU's SUPERB portal is currently unreachable — it fails to load in a normal browser, not just for automated checks — so there is no working application page to link to at the moment. TERAJU has not announced that the scheme has ended; contact TERAJU directly if you want to apply.
Bumiputera Enterprise Enhancement Programme (BEEP)
A matching grant from SME Corp to strengthen 100% Bumiputera-owned SMEs — productivity, certification, business development and capability building. The matching rate scales with size (around 90% for micro, 60% small, 50% medium), up to RM500,000. You generally need a valid premise licence, at least six months in operation, and a SCORE rating of 1 star or above. Businesses that already received BAP 3.0 are not eligible. Runs in intake windows.
Frequently asked questions
What grants are available for Bumiputera-owned businesses in Malaysia?
Bumiputera-owned Malaysian SMEs can apply for grants including BizJamin Bumi/-i 2.0 Guarantee Scheme, Pembiayaan PROSPER (PUNB), TEKUN Niaga Financing Scheme, SUPERB (Skim Usahawan Permulaan Bumiputera), Bumiputera Enterprise Enhancement Programme (BEEP). Many other grants are open to all SMEs regardless of ownership.
What counts as a Bumiputera-owned business?
Bumiputera schemes generally require a minimum level of Bumiputera equity ownership and, often, Bumiputera control of the company. The exact threshold varies by scheme, so confirm the ownership requirement on the official programme page before applying.
Which agencies offer Bumiputera funding in Malaysia?
Agencies such as TERAJU, PUNB and MARA run Bumiputera-focused entrepreneurship, financing and development programmes, alongside Bumiputera tracks within broader SME schemes. Check each programme's current eligibility and intake window.