Rolling Expenditure Advance Cash Scheme (i-REACH)

  • i-REACH is an affordable and complete financing package that requires no collateral. It offers working capital financing and bank guarantee to support contractors to perform and deliver the project within the stipulated contract period

To finance short term contract of construction, civil, mechanical, engineering, landscaping and other simple contracts

Financing type
Financing rate

Up to 1.5% per month

Financing tenure

 Up to 18 months

Financing amount (max)

RM1 million

Purpose of Financing
Working Capital
Eligibility criteria
  • Sole-proprietors and Partnerships
  • A Private Limited Company and within the national definition of SME as defined by Bank Negara Malaysia
  • 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

For further information

Small Medium Enterprise
Development Bank Malaysia Berhad
Menara SME Bank
Jalan Sultan Ismail
50250 Kuala Lumpur
Tel: 1800-88-3131