Rolling Expenditure Advance Cash Scheme (i-REACH)

  • To finance short term contract of construction, civil, mechanical, engineering, landscaping and other simple contracts
Financing type
Financing rate
  • Minimum 1.0% per month, subject to contract tenure
Financing tenure
  • Up to 180 days
Financing amount (max)
  • RM1 million inclusive Kafalah Bank Guarantee
Funding Instrument
  • Commodity Murabahah Revolving Financing-i (CMRF-i) – Non-Revolving Facility
  • Kafalah Bank Guarantee
Purpose of Financing
Contract Financing
Eligibility criteria
  • Applicant must be Small & Medium Enterprise with good credit records.
  • Obtained contracts for construction, civil, mechanical, engineering, landscaping and others.
  • Contract awarder must be Federal Government, State Government, Government agencies, GLCs and its subsidiaries.
  • Contract tenure not more than 18 months.
  • Fulfilled other eligibility criteria set by SME Bank 
Application procedure
  • Applicants can submit complete financing application directly to SME Bank through their branch networks nationwide. For further enquiries & free consultation or details on i-REACH program, please contact Customer Service Centre via the toll free number 1 800 88 3131 or visit