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Grow Your Business with
Malaysia Co-Investment Fund (MyCIF)

A government initiative helping eligible SMEs access financing from 8% p.a.

  • Support across four eligible segments
  • Shariah-compliant financing available
Apply Now

FSMY Website LP Banner (8)

 

4
Co-Investment Schemes
General MSME, Food Security, Social Impact & Silver Economy sectors
0%
Profit Rate
For upstream agriculture under Food Security Scheme
2
Financing Options
Business Term Financing/-i and Invoice Financing/-i

How does the MyCIF Funding Work?

Every scheme shares the same MyCIF mechanism — private investors fund your campaign, and MyCIF co-invests alongside them.
Tap a scheme to see how it applies to you.

General MSME
Food Security
Silver Economy

Industry

 Investment Ratio

 General MSME Scheme

1:4

 Note: MyCIF will invest RM1 for every RM4 successfully raised from private investors on the participating platforms.

Industry

 Investment Ratio

  • Upstream Agriculture

  • Bio-economy

  • Agritech 

1:2

 Note: Eligible campaigns under this scheme carry a 0% MyCIF profit rate, you only pay profit on the private investors' portion. 

Industry

 Investment Ratio

  • Community

  • Education

  • Environment

  • Food Security

  • Healthcare

1:2

Industry

 Investment Ratio

  • Healthcare Services

  • Disability Support Service

  • Health Tech & Innovation

  • Aged-care Services

  • Childcare Services

1:2

Explore tailored solutions
designed to grow with your business.

We'll help you find what's best for you, one step at a time.

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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
fsmy-sme-icon3

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
  • Minimum 30% local shareholding
  • Minimum 12 months in operations
  • Minimum annual revenue of RM1 million
Business_Term_Loans

How to apply?
1
Check Eligibility

Leave your contact information.

Our team will contact you within 2 working days.

Then, prepare the following documents:

  • Copy of identity card/passport of all directors
  • Latest 6 months bank statements
  • Latest audited financial statements & management accounts (if available)
2
Financing Application

Submit your documents for review, we may request additional documents to support your application.

3
Financing Offer & Disbursement

We aim to revert within five (5) working days upon collection of full and complete documents.

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
RM 20 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.

  • Which scheme should I apply for?

    It depends on your industry. Refer to the information below for more details.

    Sector

    Industry

     General MSME Scheme

    All MSMEs

    Food Security Scheme

     • Agriculture
     • Bio-economy
     • Agritech

     Environmental & Social Impact Scheme

    • Community
    • Education
    • Environment
    • Food Security
    • Healthcare 

     Silver Economy Scheme

    • Healthcare Services
    • Disability Support Service
    • Health Tech & Innovation
    • Aged-care Services
    • Childcare Services
  • What is the ratio of the co-investment?

    • General MSME Scheme - 1:4 ratio
    • Food Security Scheme - 1:2 ratio
    • Environmental & Social Impact Scheme - 1:2 ratio
    • Silver Economy Scheme - 1:2 ratio

  • 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.

  • How does the co-investment ratio work?

    For every ringgit raised from private investors, MyCIF adds its share based on your scheme's ratio.

    For example, at 1:2, MyCIF co-invests RM1 for every RM2 raised — up to a maximum of RM1 million per approved campaign.

  • What does the 0% profit rate under the Food Security Scheme mean?

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

    You only pay the profit rate on the private investors' portion, reducing your overall cost of financing.

    Visit THIS page for more info.

  • 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.  

Apply Now