Open & ActiveSoft LoanDirect-apply
BPMB — Semiconductor Financing Programme (NSS-linked)
Soft Loan — Subsidised (Islamic: Tawarruq)
Subsidised Shariah-compliant project financing for established Malaysian semiconductor and E&E companies, with long tenures and grace periods for capital-intensive projects.
Open & Active — Rolling applications via BPMB branches or bpmb.com.my. Semiconductor explicitly listed as eligible sector. Subsidised rate (COF+margin −1% p.a.). Max RM100M; typically large project-based financing.
Financial Parameters
- Total pool / mandate
- RM500 million
- Ticket size
- RM5 million – RM100 million (above RM100M case-by-case)
- Cost of capital
- Subsidised profit rate below market; Govt pays interest subsidy; indicatively 3%–5% p.a. (exact rate not published; varies by project risk)
- Tenure
- 7–15 years (medium-to-long term project financing)
- Grace period
- Grace period of 3–5 years for capital-intensive projects (BPMB standard policy)
- Shariah-compliant
- Yes
Focus Areas
- Value chain segments
- IC Design & Embedded SystemsFabrication / FoundryAdvanced Packaging / OSATEquipment Manufacturing / Automation
- Use of proceeds
- CapExWorking CapitalR&D
- Company stage
- Growth-stageEstablished / Mid-tier
Eligibility
- Ownership requirement
- ≥51% Malaysian-owned; Private Limited, Public Company or Co-operative; incorporated in Malaysia
Growth-stage to established; not pre-revenue for large loans; >RM5M revenue or project bankability required
Application
- Application cycle
- Rolling basis — direct application to BPMB; credit assessment applies
Background
- Example recipients
- PiDC (debt financing Mar 2024); local semiconductor design firms, E&E manufacturers
- Notes / source
- Under NSS, Budget 2026. BPMB fully Shariah-compliant. Tenure up to 25 years for infrastructure. Source: bpmb.com.my