KUALA LUMPUR: Perbadanan Usahawan Nasional Bhd (PUNB) has reduced the profit rate for its Prosper Grow business financing scheme to 3.5% per annum, positioning it among the most competitive offerings in the market as cost pressures continue to weigh on the Bumiputera entrepreneurs.
The revised rate, lowered from 5% to 6.75%, is effective for all financing approvals from Jan 1, 2026, onwards, including existing recipients approved this year.
This initiative is expected to benefit Bumiputera entrepreneurs in 2026, particularly those requiring financing between RM100,000 and RM1 million to grow their businesses and sustain operations amid rising input costs, logistics expenses, and ongoing global supply chain disruptions.
The reduction of the initial profit rate by 1.5% to 3.25% translates into meaningful cost savings for businesses, enabling improved cash flow management, stronger financial resilience, and greater capacity to reinvest in growth.
PUNB CEO Izwan Zainuddin said the adjustment reflects a much-needed and timely intervention to ensure Bumiputera enterprises remain competitive in a challenging economic environment.
“In an uncertain global economy, cost pressures are a reality that must be managed proactively. Reducing the rate to 3.5% is more than just a financial incentive; it is a vital step toward ensuring Bumiputera entrepreneurs remain resilient, competitive and capable of long-term growth.
“PUNB remains committed to serving as a relevant and responsive facilitator for the evolving needs of the business community,” he said.
He added that the initiative aligns with the Prime Minister’s message to ensure that entrepreneurs remain resilient amid global economic uncertainty, and with the government’s broader agenda to strengthen an inclusive and sustainable Bumiputera entrepreneurship ecosystem under the Madani framework.
The rate revision marks an early implementation of PUNB’s R30 Strategic Plan (2026–2030), which focuses on three key pillars: Reinforce, Scale and Sustainability, aimed at strengthening the overall impact of its financing and business support ecosystem.
Through the realignment of its financing products, PUNB now offers three main schemes designed to support businesses at different stages of growth.
Prosper Grow provides financing of up to RM1 million for Sdn Bhd companies and up to RM500,000 for sole proprietorships or partnerships, focusing on the retail, distribution, and manufacturing sectors.
Prosper Great, meanwhile, aims to help high-potential Bumiputera companies expand into strategic industries such as green technology and renewable energy, with financing of up to RM10 million.
For larger-scale ventures, Prosper Impact/Nova offers up to RM20 million in financing to support projects or contracts secured from reputable organisations, including government procurement and strategic partners.
