PERNAS Financing & Entrepreneurship Programs: Dedicated Support for Women, Youth, and SMEs

Supports female entrepreneurs with funding and training to participate in franchise or licensing businesses and develop sustainable ventures.

• Funding Amount: Up to RM500,000
• Funding Coverage: Up to 80%
• Profit Rate: 3.75% (Islamic Financing)
• Support: Includes training and 6-month entrepreneurial guidance
• Eligibility: Female entrepreneurs aged 21 and above

Designed for Bumiputera youth (21–40 years old) to encourage franchise or licensing ownership, promoting entrepreneurship and systematic business management.

• Funding Amount: Up to RM500,000
• Funding Coverage: Up to 80%
• Annual Rate: 3.75% (Islamic Financing)
• Support: 6-month post-launch mentorship

Provides multi-tiered financing for Bumiputera franchisors and brands, supporting business expansion and brand strengthening.

• Suitable For: Registered franchisors
  
• Funding Amount: Up to RM5,000,000
  
• Return Rate: Minimum 8%
  
• Tenure: Up to 5 years
  
• Funding Structure: Equity or RCPS (Redeemable Convertible Preference Shares) 

Eligibility:

• Registered with KPDN Malaysia as a Pendaftar Francais (ROF)
  
• Operating for at least 2 years
  
• Strong financial performance in the last 3 years
• Bumiputera ownership ≥ 60%

• Suitable For: Companies with IPO potential or capital expansion plans
  
• Funding Amount: Up to RM30,000,000
  
• Return Rate: Minimum 8%
  
• Tenure: Up to 3 years
  
• Funding Structure: Ordinary equity investment 

Eligibility:

• Operating for at least 3 years
  
• Clear expansion and franchise plan
• Bumiputera ownership ≥ 60%

• Suitable For: Stable franchise brands preparing for rapid expansion
  
• Funding Amount: Up to RM30,000,000
  
• Return Rate: Minimum 8%
  
• Tenure: Up to 5 years
  
• Funding Structure: Equity or RCPS 

Eligibility:

• Annual revenue ≥ RM2,000,000
  
• Strong profitability and expansion potential
• Bumiputera ownership ≥ 60%

Helps SMEs systematize operations or transform into franchise brands through funding, training, and mentorship.

• Prospective Franchisee Funding: RM25,000
• Prospective Franchisor Headquarters Funding: RM500,000
• Funding Coverage: Up to 90%
• Rate: 4.75% / 5-year term (Islamic Financing)
• Support: Includes entrepreneurship training and business mentoring

PERNAS programs are designed for:

• Entrepreneurs aiming to start or transform into franchise brands
  
• Franchisees or licensees seeking brand expansion
  
• Business owners seeking low-interest, sustainable financing
  
• Female entrepreneurs
• SME owners