Small Franchise Financing Scheme (SPKF)

To help potential entrepreneurs venturing into franchise businesses and generate additional income, the Government through the Ministry of Domestic Trade, Co-operatives and Consumerism (KPDNKK) has introduced Franchise Micro-Franchising Scheme which offers a maximum funding up to RM50,000.

The scheme provides financing to prospective entrepreneurs to venture into micro-franchising which offers systematic and less risky businesses.


The scheme aims to provide small financial assistance (micro-franchising) to the local franchisee of low and middle income with a maximum financing up to RM50,000.

Terms and Conditions for Franchise Micro-Franchising Scheme:

1. Size of Financing

RM 50,000 (Maximum)

RM 5,000 (Minimum)

2. Interest Rate 3% per annum on reducing balance
3. Tenure Maximum 5 years or based on the Franchise Agreement

Criteria for the Franchise Micro-Franchising Scheme

  • 21 years old and above and not more than 65 years on the date of application;
  • Open to local franchisees with a local franchise business registered with Registrar of Franchise under Section 6 of Franchise Act 1998;
  • Application should be made through a limited company / partnership / enterprise;
  • Applicants are entrepreneurs who are owners / operators of the business;
  • Has letter of offer from the local franchisors;
  • Registered with Companies Commission of Malaysia (CCM);
  • 100% locally owned business (sole proprietorship / partnership / private ltd.)
  • Not blacklisted by financial institutions (*CCRIS record shows outstanding installments not exceeding 2 months);
  • Not declared as a bankrupt;
  • Did not deal with any proceedings in court;
  • Business conducted are shariah-based business;
  • Franchise package not exceeding RM50,000 with 90% margin of financing including MRTA, legal fee and other related charges;
  • Financing exceeding RM10,000 must obtain credit takaful coverage.


Download the application form here:

Send your application to:

Perbadanan Nasional Berhad (PNS)
Menara PNS,
Menara 7, Avenue 7
Bangsar South City
No.8 Jalan Kerinchi
59200 Kuala Lumpur

(Per: En. Zafrul Azman Azraai)
Tel : 03-2082 7788

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