Productive Finance For Entrepreneurs
AmBank Profile
AmBank Group is a leading financial services group
with over 40 years of expertise in supporting the
economic development of Malaysia. With over three
million customers, AmBank Group aspires to help
individuals and businesses to grow and win together
through offering the best banking solutions.
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SME-in-a-Box™ is what you need to accelerate your
business further!
Ever-changing technology changes the business landscape at a
fast pace. To stay ahead in the business, you need to be well
equipped and stay relevant.
With our SME-in-a-Box™, you could have comprehensive
solutions that meet your needs, according to your industry. From
deposit and payroll solution, working capital loans or business
digitalisation, you could have it, all-in-one with SME-in-a-Box™.
Take your business to the next level with us today!
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Type of Business
Financing
Type of Facility
How Do I Get Financial Assistance For My Business?
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Who are you?
Sole Proprietor
Private Limited (Sdn Bhd)
Partnership
What type of business
financing are you
looking for?
Business
expansion
Working Capital
Financing
Term loan +
Overdraft
Term loan
Purchase a
property
Commercial
Property Financing
Property loan +
Overdraft + Term
loan
Property loan +
Overdraft
Revolving Credit
Overdraft /
Cashline-i
Overdraft /
Cashline-i
For more information, connect with us at
https://www.ambank.com.my/eng/small-
business/sme-solution
Or
Call our Contact Centre at 03-2178 3188
Refer Slide 5 for
more details
Refer Slide 6 for
more details
Refer Slide 7 for
more details
Working Capital Financing
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SME Portfolio Guarantee
A flexible working capital loan/ financing
to help you better manage your daily
financial needs
• Up to RM1million loan/financing limit with
competitive rate
• Up to 7 years loan/financing tenure with no lock in period
• NO collateral required
Eligibility:
• A business entity of sole proprietorship, partnership or private limited
company
• SMEs per National SME Development Council’s (NSDC) definition
• Business registered in Malaysia, is Malaysian-controlled and Malaysian
owned with at least 51% shareholding
• Business has been in operations for at least THREE ( 3 ) years
Working Capital
Offers flexible financing on working
capital and capital expenditure
• Available in Term Loan/ Term
Financing-i and/or Overdraft/Cashline-i
• Up to RM2 million loan/financing limit with
competitive rate
• Up to 7 years loan/financing tenure with no lock in period
Eligibility:
• SME profile, i.e.sole-proprietor, partnership, private limited company
• Business registered in Malaysia, is Malaysian-controlled and
Malaysian owned with at least 51% shareholding
• Business in operation for 3 or more years
• Key person’s age shall be between 25-65 years old
SME Biz Property Extra
The 1
st
asset-backed CGC guaranteed scheme in the market offering a high margin for your asset and working capital financing needs.
It is a financing solution aimed at assisting qualified SMEs to purchase commercial property (asset financing) as well as gaining access
to higher margin of financing including their working capital requirement (working capital financing) by using the same collateral.
• High margin up to 148% for asset and working capital financing
• High working capital limit up to RM3 million
• Program lending/financing – simplified processing
Eligibility:
• A business entity of Sole Proprietorship, Partnership, or Private Limited Company
• SMEs per National SME Development Council’s (NSDC) definition
• Business registered in Malaysia and is Malaysian-controlled
Commercial Property Loan/Financing-i
• A commercial property loan/financing that offers long-term financing for the purchase of completed or under-construction commercial
and industrial properties.
• The facility is also made available to refinance completed properties and remortgage of properties that are free from encumbrances
(cash-out)
Commercial Property Financing
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Overdraft/ Cashline-i
Your business needs working capital for the day-to-day cashflow.
Overdraft / Cashline-i facility provides the most convenient and
flexible form of financing.
Features
• It is a revolving facility made available via a current account
where you can use any amount up to the approved facility limit for
any purpose.
• Interest/profit is calculated on a daily basis and charged only on
the amount used.
Overdraft / Cashline-i
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Are You Having Problems Paying Your Loan?
Do you need any
assistance on your
loan repayment?
Is your business
adversely affected by
the pandemic?
Existing AmBank
Customers who are
Individuals
(B40, M40 or T20)
Existing AmBank
Customers who are
SMEs
Microenterprises
How can AmBank
help you?
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Payment deferment for 6
months
Or
50% reduction in monthly
installment for 6 months
Refer Slide 9 for
more details
Repayment Assistance Programme
For existing AmBank customers
We do understand that these are still challenging
times.
AmBank is committed to continue providing you
with the right assistance and support in meeting
your loan/financing payment obligations.
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Type of Solutions
Call our Merchant Helpdesk at +603 2167 7800
to speak to our Officer Representative today
How Can You Perform Contactless Payment?
Want to provide
contactless payment?
Type of payment solutions
available
Refer Slide 12 &
13 for details
Refer Slide 14
for details
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All in One
Android
Terminal
mTAP
• Innovative payment solutions
• One- Stop Solution
• Accepts all major credit/debit cards
and e-wallet brands
• Payment credited within 24 hours
• Keep track of your account online
24/7 via desktop
• Accepts payments using your own
Android phone(NFC equipped)
• Fast & safe
• Payment can be accepted anytime
& anywhere
• Your payment is secured
• Endorsed by PayNet (MyDebit),
Visa (PayWave) and MasterCard
(PayPass).
AmBank Merchant Business Solution
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Innovative and comprehensive transaction processing solutions
for merchant partners.
Our range of merchant business solutions are designed to help
you conduct your business more efficiently and effectively.
A complete platform of facilities to keep up with your business
and grow with you.
AmBank Merchant Business Solutions
Accepts all major credit/debit cards and e-wallet brands
Partners Cashless Payment Channels
Expansion opportunities
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≥35k
Merchants
≥55k
Terminals
Top 5 Acquirer in the industry
Extensive Merchant Business Centres
branch network (15 centres nationwide)
AmBank Merchant Business Solutions – Key Proposition
Same Day Settlement
AmBank Merchant Settlement Account
Batch 1
Batch 2
Same Day
12.00pm
(DAY 1)
Payment File
2.00pm
(Day 1)
Same Day
5.00pm
(DAY 1)
Payment File
7.00pm
(Day 1)
Multiple Payment Batches Daily
Better Cash Flow for Merchants
No Extra Cost et
Manual Settlement
Unique Features
Payment credited to Merchant Settlement
Account within 24 hours
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AmBank Merchant Business Solutions – Key Proposition
mTAP is a card acceptance solution that enables merchant to accept
contactless credit or debit card transactions using their own NFC
equipped Android mobile phones via a secure Payment Application.
This solution is compliant and endorsed by card schemes such as
PayNet (MyDebit), Visa (PayWave) and MasterCard (PayPass).
Step 1 – User Login
Step 2 – Payment Screen
(Key in transaction amount)
Step 3 – Payment Confirmation
Step 4 – Tap To Pay
Diagrams above illustrate card acceptance experience using mTAP
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Type of Solutions
How is this helpful to
you?
Want to improve &
maximise productivity for
your business?
What do I need to do ?
AmAccess Biz
Operating Account
• Open account digitally via
AmAccess Biz
• Manage your payments &
collections online.
• 24/7, anywhere & anytime
• Attractive interest/profit rate
Refer Slide 16
for details
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Refer Slide 17
for details
Payroll Solutions ( via AmAccess
Biz)
• Calculates statutory deductions
required for EPF, LHDN &
SOCSO
• Ensures your employees’
salaries are paid efficiently &
on time
Online Transactions
• Perform local , foreign & bulk
payments.
• Perform DuitNow transfers &
JomPAY bill payments
,
Improve and Maximise Productivity For Your Business
Basic Current Account/Current Account-i
Deposit
.
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Enjoy the flexibility and online convenience of managing
your business’s payment and trading activities with our
current account.
Features:
• Cheque issuing facilities
• Monthly account statement
• No introducer required
• Internet banking
• Attractive interest/profit rate
The easy way to get salaries & other
financial needs for your employees:
• Easy deposit account opening with no
initial deposit
• Salaries credited into accounts on the
same day
• Access to a host of banking solutions that
cater to their different needs
• Financing access at preferred rates
• Signature Priority Banking access
The old way of paying salary by Cash :
• Time consuming process (go to bank, queue
for cash withdrawal, appointment with bank)
• Security & Safety (risk of being robbed)
• Manual tracking of salary payout
• Risk of being audited by Inland Revenue
(no proper records)
The new way to pay salary:
• Comprehensive payroll management system –
prompt payment of daily/weekly/monthly salaries
• Statutory reportings, payments &
deduction (LHDN, KWSP, SOCSO) at ZERO cost
• Freedom from time-consuming
payroll processing
• Additional deposit interest/profit rate when
you activate your payroll account
• Dedicated Relationship Manager
The old way of paying salary by Cheque :
• Time consuming process (issue cheque,
obtain signature, deliver to staff)
• Costly (resources & man hour involved)
• Cheque processing fee for every cheque issued
• Longer time for salary crediting (wait for
cheque clearance)
Payroll Solution
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Still paying salary the conventional way?
THANK YOU
