Halal in One Financing Programme
Build or Expand Your Halal Business
A financing programme tailored for SMEs venturing into or growing their halal business.
Key Features
- Products and services include Commodity Murabahah Term Financing-i, Cashline Facility-i and Trade Financing.
- Financing limit of up to RM5 million
- Financing tenure of up to 10 years
- Free one year VIP membership with HQC Commerce Sdn. Bhd. (for halal certified customers)*
- Discounted halal consultation services by HQC Commerce Sdn. Bhd. (for customers seeking halal certification)*
- Guarantee of up to 80% of the financing (or up to 90% for specific sectors) from Syarikat Jaminan Pembiayaan Perniagaan (“SJPP”)**
*Terms and conditions apply.
**Subject to fulfilling the respective scheme guidelines & terms.
Purpose of Financing
- For capital expenditure
- For working capital requirements
Pricing
- Up to Base Financing Rate + 2% p.a.
Eligibility
- Business must be Small and Medium Enterprises (“SMEs”) as defined by National Entrepreneur and SME Development Council (“NESDC”) and Mid-Size Companies (“MSC”)
- Businesses registered in Malaysia, Malaysian controlled and Malaysian-owned businesses (at least 51% shareholding).
- Sole-Proprietorships, Partnerships and Private Limited Companies.
- Business turnover of at least RM500,000.
- Business establishment of at least 3 years.
- Halal certified businesses or businesses seeking to be halal certified by Jabatan Kemajuan Islam Malaysia (“JAKIM”)
Frequently Asked Questions (FAQs)
Halal in One Financing Programme (“Programme”) is a financing programme designed to enable SMEs to build or grow their halal business. The Programme offers financing for capital expenditure and working capital requirements and certain exclusive benefits.
Yes, you can. However, you are required to apply for halal certification from JAKIM and provide evidence of submission of application to JAKIM prior to the drawdown of the financing facilities.
You will receive discounts on various consultation services offered by HQC and certain privileges for their training program. You can visit the HQC website at https://hqccommerce.com for more details.
You must accept our letter of offer for financing facilities under the Halal in One Financing Programme and submit the halal certificate issued by JAKIM to us. If you are not yet halal certified, you are required to submit the halal certificate within sixty (60) calendar days from the acceptance date of the letter of offer.
Upon receipt of the halal certificate, we will make arrangements for HQC to contact you for the registration.
You must accept our letter of offer for financing facilities under the Halal in One Financing Programme. After the facilities have been drawndown we will make arrangements for HQC to contact you for the halal consultation services.
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