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Expand Your Agribusiness with
Malaysia Co-Investment Fund (MyCIF)

Access affordable financing through a government-supported initiative designed to support sustainable development in the agriculture sector.

  • Supporting Malaysia's food security ecosystem 
  • Shariah-compliant financing available
Apply Now

ChatGPT Image Jun 25, 2026, 09_14_13 AM

 

0%
Profit Rate
For eligible financing campaigns under MyCIF's Food Security Scheme
1:2
Co-Investment Ratio
MyCIF invests RM1 for every RM2 raised from private investors
RM1 mil
max per campaign
Maximum MyCIF co-investment per approved campaign

Discover financing solutions
tailored for agribusinesses.

Supporting your growth journey from farm to market, every step of the way.

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Business Term Financing/-i

Power your next phase of growth with quick capital injection. Designed for SMEs to manage cash flow, seize opportunities, and scale with confidence. 

Apply now
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Invoice Financing/-i

Get paid sooner. Pay smarter.
Convert receivables into upfront cash or extend payables to better manage your business cash flow. 

Apply now

Is Your Business Eligible?
  • Sole Proprietorship, partnership, limited liability partnership, private limited & unlisted public limited companies
  • MSMEs in upstream segment of agriculture, bio-economy sector and agritech.
  • Minimum 30% local shareholding
  • Minimum 12 months in operations
  • Minimum annual revenue of RM1 million
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How Does It Work?

Ahmad — SME in aquaculture industry, from Terengganu

Ahmad needs cash to make payment to his distributor. Current cash flow is tight, not able to make payment on time. Since Ahmad is in upstream agriculture, he is entitled for MyCIF co-investment at a 1:2 ratio.

Payment due: 30 days
Ahmad's Invoice
RM600,000
He applied for Invoice Financing/-i from Funding Societies.
Funds from Funding Societies
RM400,000
That's ⅔ of the invoice value.
RM400,000 at 12% p.a.
MyCIF Co-invested Portion
RM200,000 — at 0% profit rate
That's ⅓ of the invoice value.
RM200,000 at 0%
Ahmad Receives Funds
RM600,000
Ahmad can now focus on his business and only needs to repay Funding Societies 60 days later.
Financing ratio of the RM600,000
MyCIF  ·  RM200,000
Funding Societies  ·  RM400,000
0% profit rate
Profit rate applies

Here's what Ahmad actually pays:

Stage 1 — Ahmad repays Funding Societies (Day 60)
Principal Full invoice amount RM600,000
Interest RM600,000 × 12% p.a. × 60 days (tenure) RM12,000
Total repayment to Funding Societies = RM612,000
↓
Stage 2 — Funding Societies rebates MyCIF's portion (following month)
MyCIF rebates RM200,000 × 12% p.a. × 60 days (MyCIF portion at 0%) − RM4,000
↓
Ahmad's net effective cost
Effective rate: 8% p.a. on RM600,000
RM612,000 − RM4,000 = RM608,000

Ahmad pays the full interest upfront, and Funding Societies then rebates the portion covered by MyCIF, resulting in a net effective interest rate of only 8% p.a.

Apply Now

Why Funding Societies?

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Registered with
Securities Commission Malaysia

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Largest SME digital financing platform in Southeast Asia

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Disbursed more than
RM20 billion to over
5 million notes

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More than 300,000
registered Investors
across SEA

safe

Investors' funds managed by Malaysian Trustees Berhad

Frequently asked questions
  • What is Malaysia Co-Investment Fund (MyCIF)?

    The Malaysia Co-Investment Fund (MyCIF), administered by the Securities Commission Malaysia, is a government co-investment initiative established under Belanjawan 2019 to support the growth of MSMEs.

    Through co-investment with private investors via Peer-to-Peer (P2P) Financing and Equity Crowdfunding (ECF) platforms, MyCIF helps businesses gain greater access to financing opportunities and strengthen Malaysia’s entrepreneurial ecosystem.

    Click HERE for more details.

  • What financing options are available under MyCIF?

    Invoice Financing/-i
    This Shariah-compliant financing solution helps businesses:
    •     Finance purchases from suppliers or cover essential business expenses.
    • Obtain early payment based on sales invoices for goods delivered or services rendered.

    It is particularly beneficial for SMEs that require mobilisation capital to initiate projects or operate predominantly on credit terms with delayed payments from clients. Repayment is made as a bullet payment, covering both principal and profit, upon the due date.

    Business Term Financing/-i
    An unsecured Shariah-compliant financing facility designed to support the growth and expansion of SMEs. This option offers structured monthly repayments that include both principal and profit, making it ideal for businesses seeking predictable cash flow planning.

  • Which sectors are eligible under the Food Security Scheme?

    Eligible sectors are upstream segment of agriculture, bio-economy sector and agritech.

  • What does the 0% profit rate mean for my business?

    When your financing campaign is qualifies under the Food Security Scheme, MyCIF's portion of the co-investment carries a 0% profit rate.

    This means you only pay the profit rate on the private investors' portion — significantly reducing your overall cost of financing.

  • How does the 1:2 co-investment ratio work?

    For every RM2 raised from private investors on the Funding Societies platform, MyCIF will co-invest an additional RM1 — up to a maximum of RM1 million per campaign.

    For example, if your campaign raises RM400,000 from private investors, MyCIF will add RM200,000, giving you a total of RM600,000 in financing.

  • How do I apply?

    To apply, simply click on the “Apply Now” button and submit your details. One of our sales representatives will get in touch with you within 2 working days to guide you through the next steps.

    Please prepare the following documents to support your application:

    • Company registration form

    • Copy of identity card/passport of all Directors

    • Latest 6 months’ bank statements

    • Latest audited financial statements & management accounts 

  • What are the Shariah principles used?

    The financing uses Commodity Murabahah via Tawarruq, where Shariah-compliant commodities are bought and sold to generate cash flow, in line with Islamic financing principles.