SME Financing

Overview

Bank Usahawan offers specialized Syari'ah-compliant financing solutions for Small and Medium-sized Enterprises (SMEs), designed to support their growth and operational needs. Our SME financing products provide businesses with the necessary capital to expand, innovate, and enhance their market competitiveness.

Financing amount: BND20,001 - BND2,000,000

Processing fee: 1.5%

Bank Usahawan

Our
Requirements

IC of Applicant / Directors / Shareholders / Guarantor

Bank account statement (past 12 months)

License or permission from relevant authorities for business activity

Business registration:
Sole proprietorship / partnership = Business Names Act Section 16 and Section 17
- and any documents required by the bank

Business registration:
Limited Liability Company (Sdn Bhd)
- The certificate of Incorporation
- Form X
- Memorandum and Articles of Association
- Joint venture & Shareholder’s Agreement
- Shares Allotment (If any)
- Director’s Resolution
- Audited financial statements (If any)
- and any documents required by the bank

SME Financing

Basic Eligibility Criteria

a) The applicant must be at least 18 years and not more than 65 years old.
b) Brunei’s residents hold a yellow or purple Identification Card.
c) Profitable business.
d) The company or business must be registered and operating in Brunei
e) The applicant must be the owner or shareholder of the business.
f) The business must be operational consecutively for the last 12 months.
g) The business activity does not contradict Syari'ah rules and concepts.
h) Applicant should not be under active litigation nor bankruptcy.