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class="elementor-sub-item" tabindex="-1">Our Organizations</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8097"><a href="https://www.punb.com.my/corporate-story/" class="elementor-sub-item" tabindex="-1">Corporate Story</a></li> <li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-8079"><a href="#" class="elementor-sub-item elementor-item-anchor" tabindex="-1">Principles</a> <ul class="sub-menu elementor-nav-menu--dropdown"> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-7991"><a href="https://www.punb.com.my/p-code/" class="elementor-sub-item" tabindex="-1">P-Code</a></li> <li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-8262"><a href="https://www.punb.com.my/service-charter/" class="elementor-sub-item" tabindex="-1">Service Charter</a></li> </ul> </li> </ul> </li> <li class="menu-item menu-item-type-post_type menu-item-object-page 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Us","item_link":{"url":"#","is_external":"","nofollow":"","custom_attributes":""},"_id":"fadbecb","item_dropdown_content":"yes","item_icon":{"value":"","library":""},"item_icon_active":null,"element_id":""},{"item_title":"Information","item_link":{"url":"#","is_external":"","nofollow":"","custom_attributes":""},"_id":"4c7640e","item_dropdown_content":"yes","item_icon":{"value":"","library":""},"item_icon_active":null,"element_id":""},{"item_title":"Rakan Usahawan","item_link":{"url":"#","is_external":"","nofollow":"","custom_attributes":""},"_id":"39a7324","item_dropdown_content":"no","item_icon":{"value":"","library":""},"item_icon_active":null,"element_id":""},{"item_title":"Usahawan Nasional","item_link":{"url":"#","is_external":"","nofollow":"","custom_attributes":""},"_id":"1420800","item_dropdown_content":"yes","item_icon":{"value":"","library":""},"item_icon_active":null,"element_id":""},{"item_title":"Contact Us","item_link":{"url":"#","is_external":"","nofollow":"","custom_attributes":""},"_id":"7163235","item_dropdown_content":"yes","item_icon":{"value":"","library":""},"item_icon_active":null,"element_id":""}],"item_position_horizontal":"end","item_position_horizontal_tablet":"start","item_position_horizontal_mobile":"start","horizontal_scroll_mobile":"disable","item_position_horizontal_tablet_extra":"start","breakpoint_selector":"tablet_extra","content_width":"full_width","item_layout":"horizontal","open_on":"hover","horizontal_scroll":"disable","menu_item_title_distance_from_content":{"unit":"px","size":0,"sizes":[]},"menu_item_title_distance_from_content_tablet_extra":{"unit":"px","size":"","sizes":[]},"menu_item_title_distance_from_content_tablet":{"unit":"px","size":"","sizes":[]},"menu_item_title_distance_from_content_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="mega-menu.default"> <div class="elementor-widget-container"> <nav class="e-n-menu" 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e-parent" data-id="d79cf96" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="elementor-element elementor-element-2fa011d e-flex e-con-boxed e-con e-child" data-id="2fa011d" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-bd09189 e-con-full e-flex e-con e-child" data-id="bd09189" data-element_type="container"> <div class="elementor-element elementor-element-8386791 elementor-invisible elementor-widget elementor-widget-heading" data-id="8386791" data-element_type="widget" data-settings="{"_animation":"fadeInUp","_animation_delay":150}" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h1 class="elementor-heading-title elementor-size-default"><span style="font-weight: 400"><font style="vertical-align: inherit"><font style="vertical-align: inherit">Pioneering the Path to</font></font></span><br class="mobile-tablet-none;"><font style="vertical-align: inherit"><font style="vertical-align: inherit">Bumiputera Entrepreneurial Excellence</font></font></h1> </div> </div> <div class="elementor-element elementor-element-df2ef87 elementor-invisible elementor-widget elementor-widget-text-editor" data-id="df2ef87" data-element_type="widget" data-settings="{"_animation":"fadeInUp","_animation_delay":700}" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>PUNB empowers Bumiputera entrepreneurs with financing and business support to achieve excellence.</p> </div> </div> <div class="elementor-element elementor-element-27e8032 e-con-full e-flex elementor-invisible e-con e-child" data-id="27e8032" data-element_type="container" data-settings="{"animation":"fadeInUp","animation_delay":800}"> <div class="elementor-element elementor-element-189d4b1 elementor-widget elementor-widget-button" data-id="189d4b1" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div 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data-settings="{"background_background":"classic"}"> <div class="e-con-inner"> <div class="elementor-element elementor-element-c6158c5 e-con-full e-flex e-con e-child" data-id="c6158c5" data-element_type="container"> <div class="elementor-element elementor-element-32f92a9 e-con-full e-flex e-con e-child" data-id="32f92a9" data-element_type="container"> <div class="elementor-element elementor-element-6e35bee elementor-invisible elementor-widget elementor-widget-image" data-id="6e35bee" data-element_type="widget" data-settings="{"_animation":"fadeInLeft"}" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="700" height="700" src="https://www.punb.com.my/wp-content/uploads/2024/11/girl-with-coffee-machine-img-1.jpg" class="attachment-full size-full wp-image-6205" alt="" srcset="https://www.punb.com.my/wp-content/uploads/2024/11/girl-with-coffee-machine-img-1.jpg 700w, https://www.punb.com.my/wp-content/uploads/2024/11/girl-with-coffee-machine-img-1-300x300.jpg 300w, https://www.punb.com.my/wp-content/uploads/2024/11/girl-with-coffee-machine-img-1-150x150.jpg 150w" sizes="(max-width: 700px) 100vw, 700px" /> </div> </div> </div> <div class="elementor-element elementor-element-38b0c69 e-con-full e-flex e-con e-child" data-id="38b0c69" data-element_type="container"> <div class="elementor-element elementor-element-ada7308 elementor-widget elementor-widget-heading" data-id="ada7308" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Fueling Business’ Growth with <span class="pink-color">PUNB Financing</span></h2> </div> </div> <div class="elementor-element elementor-element-c24035c elementor-widget elementor-widget-text-editor" data-id="c24035c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>PUNB provides business financing to develop and empower bumiputera entrepreneur and their businesses to be viable and resilient.</p> </div> </div> <div class="elementor-element elementor-element-26434b1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="26434b1" data-element_type="widget" data-widget_type="divider.default"> <div class="elementor-widget-container"> <div class="elementor-divider"> <span class="elementor-divider-separator"> </span> </div> </div> </div> <div class="elementor-element elementor-element-8f680cd elementor-widget elementor-widget-text-editor" data-id="8f680cd" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>Financing Schemes</strong><br />Explore our diverse financing schemes designed to support various business needs, ensuring tailored solutions for every entrepreneur.</p><p><strong>Financing Programs</strong><br />Discover our comprehensive financing programs that offer robust support and funding to help your business thrive.</p><p><strong>Rakan Usahawan Directory</strong><br />Explore the diverse range of businesses empowered by PUNB’s funding. Discover success stories and connect with Bumiputera entrepreneurs who are driving Malaysia’s economic growth.</p> </div> </div> <div class="elementor-element elementor-element-b88ddf5 elementor-align-left elementor-widget elementor-widget-button" data-id="b88ddf5" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="/products-services/business-financing/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-icon"> <svg xmlns="http://www.w3.org/2000/svg" class="arrow-up-right-svg" width="18" height="18" viewBox="0 0 18 18" fill="none"><path d="M1 17L17 1" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M4 1H17V14" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> </span> <span class="elementor-button-text">Learn all about Business Financing</span> </span> </a> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-element elementor-element-149b015 custom-pink-gradient e-flex e-con-boxed e-con e-parent" data-id="149b015" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="e-con-inner"> <div class="elementor-element elementor-element-a893caa e-con-full e-flex e-con e-child" data-id="a893caa" data-element_type="container"> <div class="elementor-element elementor-element-bc8a7e0 e-con-full e-flex e-con e-child" data-id="bc8a7e0" data-element_type="container"> <div class="elementor-element elementor-element-0959130 elementor-invisible elementor-widget elementor-widget-heading" data-id="0959130" data-element_type="widget" data-settings="{"_animation":"fadeInUp"}" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Highlighted Services</h2> </div> </div> </div> </div> <div class="elementor-element elementor-element-88d8859 e-con-full e-flex elementor-invisible e-con e-child" data-id="88d8859" data-element_type="container" data-settings="{"animation":"fadeIn"}"> <div class="elementor-element elementor-element-4114151 e-con-full e-flex e-con e-child" data-id="4114151" data-element_type="container"> <a class="elementor-element elementor-element-97ad226 e-con-full service-box e-flex e-con e-child" data-id="97ad226" data-element_type="container" href="/products-services/business-financing/"> <div class="elementor-element elementor-element-7271bee elementor-widget elementor-widget-heading" data-id="7271bee" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">Business Financing</h4> </div> </div> <div class="elementor-element elementor-element-275ef3c elementor-widget elementor-widget-text-editor" data-id="275ef3c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>PUNB provides business financing to develop and empower bumiputera entrepreneur and their businesses to be viable and resilient.</p> </div> </div> </a> <a class="elementor-element elementor-element-5006c76 e-con-full service-box e-flex e-con e-child" data-id="5006c76" data-element_type="container" href="/products-services/entrepreneur-development/"> <div class="elementor-element elementor-element-2b5b837 elementor-widget elementor-widget-heading" data-id="2b5b837" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">Entrepreneur Development</h4> </div> </div> <div class="elementor-element elementor-element-8477adf elementor-widget elementor-widget-text-editor" data-id="8477adf" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Provides a business support to assist bumiputera business operations and management towards more robust governance. This is PUNB’s uniqueness.</p> </div> </div> </a> <a class="elementor-element elementor-element-abaf490 e-con-full service-box e-flex e-con e-child" data-id="abaf490" data-element_type="container" href="/products-services/prosper-hartanah/"> <div class="elementor-element elementor-element-649efcc elementor-widget elementor-widget-heading" data-id="649efcc" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default"><font style="vertical-align: inherit"><font style="vertical-align: inherit" class="VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q">PROSPER </font></font><font style="vertical-align: inherit"><font style="vertical-align: inherit" class="VIpgJd-yAWNEb-VIpgJd-fmcmS-sn54Q">Hartanah</font></font></h4> </div> </div> <div class="elementor-element elementor-element-4a569b0 elementor-widget elementor-widget-text-editor" data-id="4a569b0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><span lang="EN-US" style="font-size: 11.0pt; line-height: 107%; font-family: 'Aptos',sans-serif; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: Aptos; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin; mso-bidi-font-family: 'Times New Roman'; mso-bidi-theme-font: minor-bidi; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: AR-SA;">Make a choice with PUNB Property to run a business at strategic location.</span></p> </div> </div> </a> <a class="elementor-element elementor-element-3794d48 e-con-full service-box e-flex e-con e-child" data-id="3794d48" data-element_type="container" href="/products-services/jumper-program/"> <div class="elementor-element elementor-element-3ab82a6 elementor-widget elementor-widget-heading" data-id="3ab82a6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">JumPER Programme</h4> </div> </div> <div class="elementor-element elementor-element-74a1acf elementor-widget elementor-widget-text-editor" data-id="74a1acf" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The first step of business success for young bumiputera entrepreneurs.</p> </div> </div> </a> <a class="elementor-element elementor-element-e732d00 e-con-full service-box e-flex e-con e-child" data-id="e732d00" data-element_type="container" href="/products-services/special-incentives/"> <div class="elementor-element elementor-element-9ce60fd elementor-widget elementor-widget-heading" data-id="9ce60fd" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">Special Incentives</h4> </div> </div> <div class="elementor-element elementor-element-4a350e6 elementor-widget elementor-widget-text-editor" data-id="4a350e6" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>A diversity of initiatives is being implemented to meet the business requirements in striving to achieve the envisioned impact of entrepreneurial development.</p> </div> </div> </a> <div class="elementor-element elementor-element-cc82d9c e-con-full e-flex e-con e-child" data-id="cc82d9c" data-element_type="container"> <div class="elementor-element elementor-element-3c0ab32 elementor-widget elementor-widget-heading" data-id="3c0ab32" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">Not sure which?</h4> </div> </div> <div class="elementor-element elementor-element-62bfd32 elementor-widget elementor-widget-text-editor" data-id="62bfd32" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Get in touch with us, let us be your guide!</p> </div> </div> <div class="elementor-element elementor-element-e95e86c elementor-align-left white-btn elementor-widget elementor-widget-button" data-id="e95e86c" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="/contact-us/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-icon"> <svg xmlns="http://www.w3.org/2000/svg" class="arrow-up-right-svg" width="18" height="18" viewBox="0 0 18 18" fill="none"><path d="M1 17L17 1" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M4 1H17V14" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> </span> <span class="elementor-button-text">Contact Us</span> </span> </a> </div> </div> </div> </div> </div> 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alt="Logo_KPM-01" /></figure></div><div class="swiper-slide" role="group" aria-roledescription="slide" aria-label="33 of 33"><figure class="swiper-slide-inner"><img decoding="async" class="swiper-slide-image" src="https://www.punb.com.my/wp-content/uploads/2024/12/Logo_JPM.png" alt="Logo_JPM" /></figure></div> </div> </div> </div> </div> </div> </div> </div> <div class="elementor-element elementor-element-b86a14f e-flex e-con-boxed e-con e-parent" data-id="b86a14f" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="e-con-inner"> <div class="elementor-element elementor-element-66f3c9d e-con-full e-flex e-con e-child" data-id="66f3c9d" data-element_type="container"> <div class="elementor-element elementor-element-21acb14 e-con-full e-flex e-con e-child" data-id="21acb14" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="elementor-element elementor-element-dfa9b39 elementor-widget elementor-widget-heading" data-id="dfa9b39" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Products and Services by Rakan Usahawan PUNB</h2> </div> </div> <div class="elementor-element elementor-element-bffca08 elementor-widget elementor-widget-text-editor" data-id="bffca08" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Browse our Entrepreneur Directory to connect with and learn from successful Bumiputera entrepreneurs who have benefited from PUNB’s funding and support. Discover inspiring stories and business insights.</p> </div> </div> <div class="elementor-element elementor-element-da57857 elementor-align-left elementor-hidden-desktop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-button" data-id="da57857" data-element_type="widget" data-widget_type="button.default"> <div class="elementor-widget-container"> <div class="elementor-button-wrapper"> <a class="elementor-button elementor-button-link elementor-size-sm" href="/rakan-usahawan/"> <span class="elementor-button-content-wrapper"> <span class="elementor-button-icon"> <svg xmlns="http://www.w3.org/2000/svg" class="arrow-up-right-svg" width="18" height="18" viewBox="0 0 18 18" fill="none"><path d="M1 17L17 1" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path><path d="M4 1H17V14" stroke-width="1.5" stroke-linecap="round" stroke-linejoin="round"></path></svg> </span> <span class="elementor-button-text">Visit the Directory</span> </span> </a> </div> </div> </div> </div> <div class="elementor-element elementor-element-b2336ad e-con-full e-flex e-con e-child" data-id="b2336ad" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="elementor-element elementor-element-344013c elementor-invisible elementor-widget elementor-widget-image" data-id="344013c" data-element_type="widget" data-settings="{"_animation":"fadeInUp"}" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="615" height="414" src="https://www.punb.com.my/wp-content/uploads/2024/11/punb-browse-img.png" class="attachment-full size-full wp-image-6294" alt="" srcset="https://www.punb.com.my/wp-content/uploads/2024/11/punb-browse-img.png 615w, https://www.punb.com.my/wp-content/uploads/2024/11/punb-browse-img-300x202.png 300w" sizes="(max-width: 615px) 100vw, 615px" /> </div> </div> </div> </div> <div class="elementor-element elementor-element-87abd4c elementor-widget__width-initial elementor-absolute e-transform elementor-widget elementor-widget-image" data-id="87abd4c" data-element_type="widget" data-settings="{"_position":"absolute","_transform_translateX_effect":{"unit":"%","size":0,"sizes":[]},"_transform_translateX_effect_tablet":{"unit":"%","size":"","sizes":[]},"_transform_translateX_effect_mobile":{"unit":"%","size":"","sizes":[]},"_transform_translateY_effect":{"unit":"%","size":-50,"sizes":[]},"_transform_translateY_effect_tablet":{"unit":"%","size":"","sizes":[]},"_transform_translateY_effect_mobile":{"unit":"%","size":"","sizes":[]},"_transform_translateX_effect_tablet_extra":{"unit":"px","size":"","sizes":[]},"_transform_translateY_effect_tablet_extra":{"unit":"px","size":"","sizes":[]}}" data-widget_type="image.default"> <div class="elementor-widget-container"> <img loading="lazy" decoding="async" width="594" height="1076" src="https://www.punb.com.my/wp-content/uploads/2024/11/square-asset-img.png" class="attachment-full size-full wp-image-6298" alt="" srcset="https://www.punb.com.my/wp-content/uploads/2024/11/square-asset-img.png 594w, https://www.punb.com.my/wp-content/uploads/2024/11/square-asset-img-166x300.png 166w, https://www.punb.com.my/wp-content/uploads/2024/11/square-asset-img-565x1024.png 565w" sizes="(max-width: 594px) 100vw, 594px" /> </div> </div> </div> </div> <div class="elementor-element elementor-element-2ec3e79 faq-sec e-flex e-con-boxed e-con e-parent" data-id="2ec3e79" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="e-con-inner"> <div class="elementor-element elementor-element-70208c6 e-flex e-con-boxed e-con e-child" data-id="70208c6" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-8c96587 e-flex e-con-boxed e-con e-child" data-id="8c96587" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-6ac7268 elementor-widget elementor-widget-heading" data-id="6ac7268" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">Ask us anything.</h2> </div> </div> <div class="elementor-element elementor-element-dcedd1d elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor" data-id="dcedd1d" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Start financing the smart way! Dive into our FAQ section to get answers to all your questions about PUNB funding, programs, and support. Your journey to entrepreneurial success begins here!</p> </div> </div> </div> </div> </div> </div> <div class="elementor-element elementor-element-94a6fb5 e-flex e-con-boxed e-con e-child" data-id="94a6fb5" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-8b9a16a e-con-full e-flex e-con e-child" data-id="8b9a16a" data-element_type="container"> <div class="elementor-element elementor-element-8c1aa77 custom-icon-accordion elementor-widget elementor-widget-n-accordion" data-id="8c1aa77" data-element_type="widget" data-settings="{"default_state":"all_collapsed","max_items_expended":"one","n_accordion_animation_duration":{"unit":"ms","size":400,"sizes":[]}}" data-widget_type="nested-accordion.default"> <div class="elementor-widget-container"> <div class="e-n-accordion" aria-label="Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys"> <details id="e-n-accordion-item-1460" class="e-n-accordion-item" > <summary class="e-n-accordion-item-title" data-accordion-index="1" tabindex="0" aria-expanded="false" aria-controls="e-n-accordion-item-1460" > <span class='e-n-accordion-item-title-header'><div class="e-n-accordion-item-title-text"> SECTION 1: FINANCING & SERVICES </div></span> <span class='e-n-accordion-item-title-icon'> <span class='e-opened' ><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 5.35889L5 0.983887L0.625 5.35889" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> <span class='e-closed'><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 0.858887L5 5.23389L0.625 0.858887" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> </span> </summary> <div role="region" aria-labelledby="e-n-accordion-item-1460" class="elementor-element elementor-element-babca8b e-con-full e-flex e-con e-child" data-id="babca8b" data-element_type="container"> <div role="region" aria-labelledby="e-n-accordion-item-1460" class="elementor-element elementor-element-4566482 e-flex e-con-boxed e-con e-child" data-id="4566482" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-85271cf elementor-widget elementor-widget-text-editor" data-id="85271cf" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>A. What is the business financing offered by PUNB?</strong></p><p>PUNB has an integrated business financing package known as Pembiayaan PROSPER which offers financing from RM100 thousand to RM10 million.</p><p> </p><p><strong>B. How long is the PUNB business financing tenure?</strong></p><p>The PUNB business financing tenure is up to 7 years.</p><p> </p><p><strong>C. Is the financing tenure applicable to all businesses?</strong></p><p>The maximum financing period is 7 years; however, it is subject to final approval based on the assessment of all types of businesses.</p><p> </p><p><strong>D. What is the profit rate of PUNB business financing?</strong></p><p>The profit rate imposed is 5% – 8% per annum (subject to the financing purpose and terms and contitions).</p><p> </p><p><strong>E. I was made to understand that apart from business financing assistance, companies will be given some value-added assistance. What type of value-added assistance is provided by PUNB?</strong></p><p>Yes, besides business financing assistance, companies will receive advisory support, business performance monitoring and business development through entrepreneurial courses and training.</p><p> </p><p><strong>F. Can PUNB business financing be used to repair or renovate existing business premises?</strong></p><p>Yes. Among the uses of PUNB business financing according to the financing scope that has been set are working capital, business premises renovation and equipment/machine.</p><p> </p><p><strong>G. I was informed that PUNB also offers premises for rental services to entrepreneurs. What should I do if I am interested to rent with PUNB?</strong></p><p>The premises for rental are limited to units owned by PUNB only. If you are interested and want to know more information about the units that are still vacant, please refer to the PROSPER HARTANAH menu on the PUNB official portal.</p><p> </p><p><strong>H. What type of businesses require collateral to obtain financing?</strong></p><p>PUNB does not impose additional collateral for most financing below RM1 million. However, PUNB may impose additional collateral conditions if the financing has a high risk based on the Credit Score carried out.</p><p> </p><p><strong>I. What type of collaterals are required by PUNB for one to get the financing?</strong></p><ol><li>Cash Upfront/Deposit</li><li>Sinking Fund</li><li>Asset – property (free from claimable by any party)</li></ol><p> </p><p><strong>J. I would like to apply for second financing and have collateral on the first financing with PUNB. Do I need to provide other collateral for the second financing?</strong></p><p>There is no need for additional collateral if the value of collateral for the first financing is sufficient to cover the value of collateral required for the second financing and the balance of the first financing combined.</p> </div> </div> </div> </div> </div> </details> <details id="e-n-accordion-item-1461" class="e-n-accordion-item" > <summary class="e-n-accordion-item-title" data-accordion-index="2" tabindex="-1" aria-expanded="false" aria-controls="e-n-accordion-item-1461" > <span class='e-n-accordion-item-title-header'><div class="e-n-accordion-item-title-text"> SECTION 2: ELIGIBILITY REQUIREMENTS </div></span> <span class='e-n-accordion-item-title-icon'> <span class='e-opened' ><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 5.35889L5 0.983887L0.625 5.35889" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> <span class='e-closed'><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 0.858887L5 5.23389L0.625 0.858887" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> </span> </summary> <div role="region" aria-labelledby="e-n-accordion-item-1461" class="elementor-element elementor-element-189531b e-con-full e-flex e-con e-child" data-id="189531b" data-element_type="container"> <div role="region" aria-labelledby="e-n-accordion-item-1461" class="elementor-element elementor-element-58b7258 e-flex e-con-boxed e-con e-child" data-id="58b7258" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-2f4f5cd elementor-widget elementor-widget-text-editor" data-id="2f4f5cd" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>A. What are the eligibility requirements for PUNB business financing application?</strong></p><p>In general, the eligibility requirements for PUNB business financing are as follows:</p><ol><li>Sole proprietorship/partnership/incorporated companies</li><li>Financing up to RM 1 million, must be 100% owned by Bumiputera</li><li>Financing above RM1 million, at least 70% owned by Bumiputera</li><li>Annual sales of not less than RM300 thousand</li><li>A company in operation for 18 months and above</li><li>Updated financial records</li><li>Good credit records with other financial institutions</li></ol><p>However, eligibility requirements are subject to the type of Business Financing applied. Please refer to the BUSINESS FINANCING menu on PUNB official portal for more information.</p><p> </p><p><strong>B. What is the age limit for PUNB business financing applicants?</strong></p><p>The minimum age limit is 18 years old and the maximum is 55 years old. However, if the applicant is over 55 years old, the applicant must have a director or a business partner to ensure the business continues to operate should anything happen to the applicant (primary owner).</p><p> </p><p><strong>C. I run a business with a non-Bumiputera partner. Am I eligible to apply?</strong></p><p>You are eligible to apply provided the business is owned and controlled by Bumiputera at the shareholding and operating levels.</p><p> </p><p><strong>D. I am the owner of several companies. Are my companies eligible to apply?</strong></p><p>Yes, provided that the companies conduct business separately and are not related to each other.</p><p> </p><p><strong>E. I am still working and have my own business. Am I eligible to apply for PUNB business financing?</strong></p><p>Yes, you can apply. However, eligibility is subject to the business operation period for at least (minimum) 18 months and you need to operate the business on a full-time basis.</p><p> </p><p><strong>F. I own a business in a foreign country. Can I apply for business financing from PUNB?</strong></p><p>You may apply the financing for a business in a foreign country, provided that the business has a headquarters in Malaysia and is controlled by Bumiputera.</p><p> </p><p><strong>G. If I have received a loan from another financial institution, am I eligible to apply for PUNB business financing?</strong></p><p>You are eligible to apply from PUNB provided that the application does not overlap or be used to pay existing financing with other financial institutions.</p> </div> </div> </div> </div> </div> </details> <details id="e-n-accordion-item-1462" class="e-n-accordion-item" > <summary class="e-n-accordion-item-title" data-accordion-index="3" tabindex="-1" aria-expanded="false" aria-controls="e-n-accordion-item-1462" > <span class='e-n-accordion-item-title-header'><div class="e-n-accordion-item-title-text"> SECTION 3: FINANCING SECTOR </div></span> <span class='e-n-accordion-item-title-icon'> <span class='e-opened' ><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 5.35889L5 0.983887L0.625 5.35889" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> <span class='e-closed'><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 0.858887L5 5.23389L0.625 0.858887" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> </span> </summary> <div role="region" aria-labelledby="e-n-accordion-item-1462" class="elementor-element elementor-element-f65eaf0 e-con-full e-flex e-con e-child" data-id="f65eaf0" data-element_type="container"> <div role="region" aria-labelledby="e-n-accordion-item-1462" class="elementor-element elementor-element-25b015f e-flex e-con-boxed e-con e-child" data-id="25b015f" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-17e7f78 elementor-widget elementor-widget-text-editor" data-id="17e7f78" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>A. What are the criteria of a business preferred by PUNB?</strong></p><p>PUNB prioritizes highly innovative businesses with high integration of downstream and upstream values, customer-friendly, technologically adaptable and scalable.</p><p> </p><p><strong>B. What business sectors are covered by PUNB?</strong></p><p>The business sectors covered by PUNB are as follows:</p><ol><li>Retail & Distributive Trade</li><li>Manufacturing & Engineering</li><li>System & Automation</li><li>Healthcare</li><li>Hospitality</li><li>Business Enablers (software developers, logistics, warehouse & delivery)</li><li>Creative (handicraft, gifts, painting, fine art (calligraphy), animation (infographic), interior design and fashion)</li></ol><p> </p><p><strong>C. I want to purchase new machinery for my manufacturing facility. Am I eligible to apply?</strong></p><p>Yes. Provided that the new machinery is related to automation systems & equipment to increase the productivity of business processes.</p><p> </p><p><strong>D. What business sectors are non-covered by PUNB?</strong></p><p>The business sectors non-covered by PUNB are as follows:</p><ol><li>Agriculture & Mining</li><li>Housing & Property</li><li>Financial (funding and leasing of monetary and non-monetary, bitcoin, foreign exchange (forex), mortgage tax and remittance service)</li><li>Business contrary to syariah principles</li></ol><p> </p><p><strong>E. I am running a livestock farming business. Am I eligible to apply?</strong></p><p>PUNB does not provide financing for livestock and plantation sectors. However, PUNB can assist downstream businesses related to the industry. For further information, please contact our Customer Service at 1300 13 7862 or email <a href="mailto:customerservice@punb.com.my">customerservice@punb.com.my.</a></p> </div> </div> </div> </div> </div> </details> <details id="e-n-accordion-item-1463" class="e-n-accordion-item" > <summary class="e-n-accordion-item-title" data-accordion-index="4" tabindex="-1" aria-expanded="false" aria-controls="e-n-accordion-item-1463" > <span class='e-n-accordion-item-title-header'><div class="e-n-accordion-item-title-text"> SECTION 4: APPLICATION PROCESS </div></span> <span class='e-n-accordion-item-title-icon'> <span class='e-opened' ><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 5.35889L5 0.983887L0.625 5.35889" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> <span class='e-closed'><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 0.858887L5 5.23389L0.625 0.858887" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> </span> </summary> <div role="region" aria-labelledby="e-n-accordion-item-1463" class="elementor-element elementor-element-416f9fa e-con-full e-flex e-con e-child" data-id="416f9fa" data-element_type="container"> <div role="region" aria-labelledby="e-n-accordion-item-1463" class="elementor-element elementor-element-de0320b e-flex e-con-boxed e-con e-child" data-id="de0320b" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-1359d51 elementor-widget elementor-widget-text-editor" data-id="1359d51" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>A. If I am interested in applying for PUNB business financing, what do I need to do?</strong></p><p>You can apply for business financing via PUNB Online at PUNB official portal by registering an account, completing the details and submitting the required documents. For inquiries, please contact our Customer Service Centre at 1300 13 7862 or join the PUNB Business Financing Talk (Scheduled). Please refer to the scheduled talk in the Business Financing-Activity Calendar section in the PUNB portal.</p><p> </p><p><strong>B. How long is the assessment process up to the approval stage and disbursement of the financing fund?</strong></p><p>For financing below RM1 million, the assessment and approval are subject to a maximum of 30 working days whilst more than RM1 million is 60 working days. The application will only be processed based on the completion of information and submission of documents required.</p><p>The Disbursement of financing funds however is subject to the following:</p><ol><li>Meet all the Fund Disbursement Conditions</li><li>Obtained permission from the financial institution to allow the company to pledge assets in the form of current or future fixed and/or floating assets (debentures) or specific charges (if necessary)</li></ol><p> </p><p><strong>C. If my application is incomplete, how much time do I have to resubmit the application? </strong></p><p>You are given 14 working days to update the incomplete information and upload the documents required in the e-mohon. An incomplete application will not be processed. However, if you are still interested to apply, you need to submit a new application with all the required documents.</p><p> </p><p><strong>D. Do I have to pay a processing fee when the application is processed?</strong></p><p>Yes, you have to pay a processing fee minimum of RM50 and a maximum of RM1,000 after your application is approved. The amount of fees depends on the financing amount approved.</p><p> </p><p><strong>E. Will the processing fee be deducted from the approved financing?</strong></p><p>No, the processing fee needs to be paid in advance upon acceptance of the Offer Letter.</p> </div> </div> </div> </div> </div> </details> <details id="e-n-accordion-item-1464" class="e-n-accordion-item" > <summary class="e-n-accordion-item-title" data-accordion-index="5" tabindex="-1" aria-expanded="false" aria-controls="e-n-accordion-item-1464" > <span class='e-n-accordion-item-title-header'><div class="e-n-accordion-item-title-text"> SECTION 5: OTHER RELATED QUESTIONS </div></span> <span class='e-n-accordion-item-title-icon'> <span class='e-opened' ><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 5.35889L5 0.983887L0.625 5.35889" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> <span class='e-closed'><svg xmlns="http://www.w3.org/2000/svg" width="10" height="6" viewBox="0 0 10 6" fill="none"><path d="M9.375 0.858887L5 5.23389L0.625 0.858887" stroke="#343330" stroke-linecap="round" stroke-linejoin="round"></path></svg></span> </span> </summary> <div role="region" aria-labelledby="e-n-accordion-item-1464" class="elementor-element elementor-element-8c24bbf e-con-full e-flex e-con e-child" data-id="8c24bbf" data-element_type="container"> <div role="region" aria-labelledby="e-n-accordion-item-1464" class="elementor-element elementor-element-05a8621 e-flex e-con-boxed e-con e-child" data-id="05a8621" data-element_type="container"> <div class="e-con-inner"> <div class="elementor-element elementor-element-8fb49e0 elementor-widget elementor-widget-text-editor" data-id="8fb49e0" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p><strong>A. What are the reasons for a business financing application being rejected?</strong></p><p>Among the reasons is the application does not meet the main criteria and eligibility requirements set by PUNB.</p><p> </p><p><strong>B. Can the approved PUNB business financing be used to refinance existing financing?</strong></p><p>No. PUNB business financing cannot be used to refinance any existing credit/loan/financing with PUNB or other financial institutions.</p><p> </p><p><strong>C. How do I check the status of my business financing application?</strong></p><p>You can check the status of your business financing application through PUNB Online system at PUNB official portal.</p><p> </p><p><strong>D. Can I appoint my own lawyer to prepare the necessary documentation for the financing agreement?</strong></p><p>No, you cannot. PUNB only allows its panel of lawyers to undertake the preparation of all documentation related to the financing agreement.</p><p> </p><p><strong>E. What should I do during my financing tenure?</strong></p><p>For more effective business assistance from PUNB, you must ensure that you adhere to the financing terms as stipulated in the financing agreement and give your full cooperation to our monitoring officers who carry out their duties from time to time.</p><p> </p><p><strong>F. Is my financing covered by Takaful protection? </strong></p><p>Your financing is covered under Takaful protection offered by PUNB’s panel of Takaful financing institutions covering the self-protection of individual entrepreneurs and business assets.</p><p> </p><p><strong>G. Can a representative sign the Business Financing Offer Letter on my behalf?</strong></p><p>No. PUNB Business Financing Offer Letter only can be signed by the applicant/rightful business owner through e-sain. For further information, please visit our portal or contact our Customer Service at 1300 13 7862 or email to <a href="mailto:customerservice@punb.com.my">customerservice@punb.com.my.</a></p> </div> </div> </div> </div> </div> </details> </div> <script type="application/ld+json">{"@context":"https:\/\/schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"SECTION 1: FINANCING & SERVICES","acceptedAnswer":{"@type":"Answer","text":"A. What is the business financing offered by PUNB?PUNB has an integrated business financing package known as Pembiayaan PROSPER which offers financing from RM100 thousand to RM10 million.\u00a0B. How long is the PUNB business financing tenure?The PUNB business financing tenure is up to 7 years.\u00a0C. Is the financing tenure applicable to all businesses?The maximum financing period is 7 years; however, it is subject to final approval based on the assessment of all types of businesses.\u00a0D. What is the profit rate of PUNB business financing?The profit rate imposed is 5% – 8% per annum (subject to the financing purpose and terms and contitions).\u00a0E. I was made to understand that apart from business financing assistance, companies will be given some value-added assistance. What type of value-added assistance is provided by PUNB?Yes, besides business financing assistance, companies will receive advisory support, business performance monitoring and business development through entrepreneurial courses and training.\u00a0F. Can PUNB business financing be used to repair or renovate existing business premises?Yes. Among the uses of PUNB business financing according to the financing scope that has been set are working capital, business premises renovation and equipment\/machine.\u00a0G. I was informed that PUNB also offers premises for rental services to entrepreneurs. What should I do if I am interested to rent with PUNB?The premises for rental are limited to units owned by PUNB only. If you are interested and want to know more information about the units that are still vacant, please refer to the PROSPER HARTANAH menu on the PUNB official portal.\u00a0H. What type of businesses require collateral to obtain financing?PUNB does not impose additional collateral for most financing below RM1 million. However, PUNB may impose additional collateral conditions if the financing has a high risk based on the Credit Score carried out.\u00a0I. What type of collaterals are required by PUNB for one to get the financing?Cash Upfront\/DepositSinking FundAsset – property (free from claimable by any party)\u00a0J. I would like to apply for second financing and have collateral on the first financing with PUNB. Do I need to provide other collateral for the second financing?There is no need for additional collateral if the value of collateral for the first financing is sufficient to cover the value of collateral required for the second financing and the balance of the first financing combined."}},{"@type":"Question","name":"SECTION 2: ELIGIBILITY REQUIREMENTS","acceptedAnswer":{"@type":"Answer","text":"A. What are the eligibility requirements for PUNB business financing application?In general, the eligibility requirements for PUNB business financing are as follows:Sole proprietorship\/partnership\/incorporated companiesFinancing up to RM 1 million, must be 100% owned by BumiputeraFinancing above RM1 million, at least 70% owned by BumiputeraAnnual sales of not less than RM300 thousandA company in operation for 18 months and aboveUpdated financial recordsGood credit records with other financial institutionsHowever, eligibility requirements are subject to the type of Business Financing applied. Please refer to the BUSINESS FINANCING menu on PUNB official portal for more information.\u00a0B. What is the age limit for PUNB business financing applicants?The minimum age limit is 18 years old and the maximum is 55 years old. However, if the applicant is over 55 years old, the applicant must have a director or a business partner to ensure the business continues to operate should anything happen to the applicant (primary owner).\u00a0C. I run a business with a non-Bumiputera partner. Am I eligible to apply?You are eligible to apply provided the business is owned and controlled by Bumiputera at the shareholding and operating levels.\u00a0D. I am the owner of several companies. Are my companies eligible to apply?Yes, provided that the companies conduct business separately and are not related to each other.\u00a0E. I am still working and have my own business. Am I eligible to apply for PUNB business financing?Yes, you can apply. However, eligibility is subject to the business operation period for at least (minimum) 18 months and you need to operate the business on a full-time basis.\u00a0F. I own a business in a foreign country. Can I apply for business financing from PUNB?You may apply the financing for a business in a foreign country, provided that the business has a headquarters in Malaysia and is controlled by Bumiputera.\u00a0G. If I have received a loan from another financial institution, am I eligible to apply for PUNB business financing?You are eligible to apply from PUNB provided that the application does not overlap or be used to pay existing financing with other financial institutions."}},{"@type":"Question","name":"SECTION 3: FINANCING SECTOR","acceptedAnswer":{"@type":"Answer","text":"A. What are the criteria of a business preferred by PUNB?PUNB prioritizes highly innovative businesses with high integration of downstream and upstream values, customer-friendly, technologically adaptable and scalable.\u00a0B. What business sectors are covered by PUNB?The business sectors covered by PUNB are as follows:Retail & Distributive TradeManufacturing & EngineeringSystem & AutomationHealthcareHospitalityBusiness Enablers (software developers, logistics, warehouse & delivery)Creative (handicraft, gifts, painting, fine art (calligraphy), animation (infographic), interior design and fashion)\u00a0C. I want to purchase new machinery for my manufacturing facility. Am I eligible to apply?Yes. Provided that the new machinery is related to automation systems & equipment to increase the productivity of business processes.\u00a0D. What business sectors are non-covered by PUNB?The business sectors non-covered by PUNB are as follows:Agriculture & MiningHousing & PropertyFinancial (funding and leasing of monetary and non-monetary, bitcoin, foreign exchange (forex), mortgage tax and remittance service)Business contrary to syariah principles\u00a0E. I am running a livestock farming business. Am I eligible to apply?PUNB does not provide financing for livestock and plantation sectors. However, PUNB can assist downstream businesses related to the industry. For further information, please contact our Customer Service at 1300 13 7862 or email customerservice@punb.com.my."}},{"@type":"Question","name":"SECTION 4: APPLICATION PROCESS","acceptedAnswer":{"@type":"Answer","text":"A. If I am interested in applying for PUNB business financing, what do I need to do?You can apply for business financing via PUNB Online at PUNB official portal by registering an account, completing the details and submitting the required documents. For inquiries, please contact our Customer Service Centre at 1300 13 7862 or join the PUNB Business Financing Talk (Scheduled). Please refer to the scheduled talk in the Business Financing-Activity Calendar section in the PUNB portal.\u00a0B. How long is the assessment process up to the approval stage and disbursement of the financing fund?For financing below RM1 million, the assessment and approval are subject to a maximum of 30 working days whilst more than RM1 million is 60 working days. The application will only be processed based on the completion of information and submission of documents required.The Disbursement of financing funds however is subject to the following:Meet all the Fund Disbursement ConditionsObtained permission from the financial institution to allow the company to pledge assets in the form of current or future fixed and\/or floating assets (debentures) or specific charges (if necessary)\u00a0C. If my application is incomplete, how much time do I have to resubmit the application? You are given 14 working days to update the incomplete information and upload the documents required in the e-mohon. An incomplete application will not be processed. However, if you are still interested to apply, you need to submit a new application with all the required documents.\u00a0D. Do I have to pay a processing fee when the application is processed?Yes, you have to pay a processing fee minimum of RM50 and a maximum of RM1,000 after your application is approved. The amount of fees depends on the financing amount approved.\u00a0E. Will the processing fee be deducted from the approved financing?No, the processing fee needs to be paid in advance upon acceptance of the Offer Letter."}},{"@type":"Question","name":"SECTION 5: OTHER RELATED QUESTIONS","acceptedAnswer":{"@type":"Answer","text":"A. What are the reasons for a business financing application being rejected?Among the reasons is the application does not meet the main criteria and eligibility requirements set by PUNB.\u00a0B. Can the approved PUNB business financing be used to refinance existing financing?No. PUNB business financing cannot be used to refinance any existing credit\/loan\/financing with PUNB or other financial institutions.\u00a0C. How do I check the status of my business financing application?You can check the status of your business financing application through PUNB Online system at PUNB official portal.\u00a0D. Can I appoint my own lawyer to prepare the necessary documentation for the financing agreement?No, you cannot. PUNB only allows its panel of lawyers to undertake the preparation of all documentation related to the financing agreement.\u00a0E. What should I do during my financing tenure?For more effective business assistance from PUNB, you must ensure that you adhere to the financing terms as stipulated in the financing agreement and give your full cooperation to our monitoring officers who carry out their duties from time to time.\u00a0F. Is my financing covered by Takaful protection? Your financing is covered under Takaful protection offered by PUNB’s panel of Takaful financing institutions covering the self-protection of individual entrepreneurs and business assets.\u00a0G. Can a representative sign the Business Financing Offer Letter on my behalf?No. PUNB Business Financing Offer Letter only can be signed by the applicant\/rightful business owner through e-sain. For further information, please visit our portal or contact our Customer Service at 1300 13 7862 or email to customerservice@punb.com.my."}}]}</script> </div> </div> </div> </div> </div> </div> </div> </div> <footer data-elementor-type="footer" data-elementor-id="6118" class="elementor elementor-6118 elementor-location-footer" data-elementor-post-type="elementor_library"> <div class="elementor-element elementor-element-2461593 e-con-full e-flex e-con e-parent" data-id="2461593" data-element_type="container" data-settings="{"background_background":"classic"}"> <div class="elementor-element elementor-element-0ff4eab e-con-full e-flex e-con e-child" data-id="0ff4eab" data-element_type="container"> <div class="elementor-element elementor-element-156689a e-con-full e-flex e-con e-child" data-id="156689a" data-element_type="container"> <div class="elementor-element elementor-element-011195d elementor-widget elementor-widget-image" data-id="011195d" data-element_type="widget" data-widget_type="image.default"> <div class="elementor-widget-container"> <img width="1050" height="155" src="https://www.punb.com.my/wp-content/uploads/2024/11/footer-punb-logo.png" class="attachment-full size-full wp-image-6173" alt="" srcset="https://www.punb.com.my/wp-content/uploads/2024/11/footer-punb-logo.png 1050w, https://www.punb.com.my/wp-content/uploads/2024/11/footer-punb-logo-300x44.png 300w, https://www.punb.com.my/wp-content/uploads/2024/11/footer-punb-logo-1024x151.png 1024w, https://www.punb.com.my/wp-content/uploads/2024/11/footer-punb-logo-768x113.png 768w" sizes="(max-width: 1050px) 100vw, 1050px" /> </div> </div> <div class="elementor-element elementor-element-0b8aa69 e-con-full elementor-hidden-desktop elementor-hidden-tablet_extra elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child" data-id="0b8aa69" data-element_type="container"> <div class="elementor-element elementor-element-8eac987 elementor-widget elementor-widget-heading" data-id="8eac987" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h4 class="elementor-heading-title elementor-size-default">Get Notified</h4> </div> </div> <div class="elementor-element elementor-element-970dbab elementor-widget elementor-widget-text-editor" data-id="970dbab" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>Stay updated with the latest news, success stories, and insights from PUNB. 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class="wpcf7-form init" aria-label="Contact form" novalidate="novalidate" data-status="init"> <div style="display: none;"> <input type="hidden" name="_wpcf7" value="6440" /> <input type="hidden" name="_wpcf7_version" value="6.0" /> <input type="hidden" name="_wpcf7_locale" value="en_US" /> <input type="hidden" name="_wpcf7_unit_tag" value="wpcf7-f6440-o2" /> <input type="hidden" name="_wpcf7_container_post" value="0" /> <input type="hidden" name="_wpcf7_posted_data_hash" value="" /> <input type="hidden" name="_wpcf7_recaptcha_response" value="" /> </div> <div> <div class="step-content active" id="step-1"> <h5>Question 1 </h5> <h3>Overall Experience: </h3> <p>How would you rate your overall experience on our website? </p> <p><span class="wpcf7-form-control-wrap" data-name="your-option-exp"><span class="wpcf7-form-control wpcf7-radio"><span class="wpcf7-list-item first"><label><input type="radio" name="your-option-exp" value="Excellent" /><span 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