For many SMEs, growth often comes with a difficult choice: invest in commercial property or preserve cash flow for day-to-day operations and expansion.
To address this challenge, MBSB Bank has introduced M-Property, an innovative financing solution that combines property financing and working capital access in a single package. Designed specifically for Malaysian SMEs, M-Property enables businesses to build long-term assets while maintaining the liquidity needed to support growth.
A key feature of M-Property is its financing margin of up to 150%, helping businesses minimise upfront costs associated with property acquisition. Beyond financing the property itself, the facility can also cover expenses such as Takaful contributions, legal fees, stamp duties and valuation fees, allowing businesses to preserve valuable cash reserves for operational and growth needs. To support affordability, M-Property offers financing tenures of up to 20 years with competitive rates.
“SMEs should not have to choose between owning strategic business assets and maintaining healthy cash flow. M-Property is designed to provide both, giving businesses the financial flexibility to grow while building a stronger foundation for the future,” said Noor Mohamed Amin Bin Mohamed, Group Chief Commercial Banking Officer of MBSB Berhad.
Through its dual Shariah-compliant facilities, Term Financing-i and Cashline-i, M-Property offers businesses the flexibility to finance commercial property acquisitions or refinancing, support working capital requirements, fund capital expenditure, and invest in business expansion initiatives.
The solution also supports sustainability ambitions by enabling financing for green initiatives, including Solar Photovoltaic (PV) installations, green building acquisitions and environmentally responsible property upgrades. Available exclusively to SME customers, M-Property is open to companies registered in Malaysia with a minimum of three years of business operations.
As businesses navigate an increasingly competitive environment, M-Property offers a smarter way to grow by combining asset ownership, financial flexibility and sustainable business financing in a single solution. SME owners interested in learning more can contact their dedicated MBSB Bank Relationship Manager or visit MBSB Bank’s corporate digital channels for further information.
As businesses navigate an increasingly competitive environment, M-Property offers a smarter way to grow by combining asset ownership, financial flexibility and sustainable business financing in a single solution. From co-working operators investing in business premises and fit-outs, to restaurant franchises expanding into new locations, event space owners acquiring strategic properties, and logistics companies purchasing additional warehouses and equipment, M-Property is designed to help SMEs turn growth opportunities into long-term business assets.