Factory and industrial property financing
Industrial property financing covers factories, warehouses and industrial land, mostly for businesses buying premises to operate from or to lease out.
Development financial institutions and SME-focused lenders are active here alongside commercial banks, and government guarantee schemes can help SMEs that lack collateral history.
- Packages
- 26
- Lenders
- 15
- Published margins
- 80–140%
- Max tenure
- 20–30 yrs
| Bank / package | Rate | Lock-in | Margin | Action |
|---|---|---|---|---|
| OCBC MalaysiaCommercial Property Loan (individuals)ConventionalSemi flexi | 4.25%SBR + 1.50% (PDS illustration, Jan 2026) | — | 85% | |
| CIMBBusiness Premises LoanConventionalTerm (non-flexi) | 4.30%BLR − 2.30% (PDS illustration, Jul 2026) | 3 yrs | — | |
| Public BankSWIFT PlanConventional | 4.30%SBR + 1.55% (PDS illustration, 2026) | None | — | |
| Bank IslamBiz Smart Property Financing ProgramIslamic | 4.37%BFR − 2.10% (PDS illustration, Apr 2026); ceiling 15% | None | — | |
| CIMBFlexi Business Premises Financing-iIslamicFull flexi | 4.70%BFR − 1.90% (PDS illustration, Jan 2026); ceiling 15% | 5 yrs | — | |
| CIMBSME Biz PropertyConventionalTerm (non-flexi) | 6.60%BLR-pegged (PDS illustration at BLR 6.60%, Jan 2026) | 3 yrs | 90% | |
| Affin BankBizProperty Max / Max-iConventionalSemi flexi | On requestRate on request | — | 140% | |
| Alliance BankBusiness Premises FinancingConventionalSemi flexi | On requestBLR ± spread (not published) | — | 95% | |
| AmBankBusiness Premise Financing-iIslamicTerm (non-flexi) | On requestBFR + spread (not published) | — | — | |
| Bank MuamalatCommercial Property Financing – SMEIslamic | On requestUp to BFR − 1.8%, credit-scored | — | 90% | |
| Bank Pembangunan MalaysiaTawarruq Asset Financing (TWA)IslamicTerm (non-flexi) | On requestFixed or floating (not published) | — | 90% | |
| Bank RakyatProperty-iIslamic | On requestRate on request | — | 80% |
OCBC Malaysia
Commercial Property Loan (individuals)4.25%
ConventionalSemi flexi· Lock-in — · Margin 85%
4.30%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin —
Public Bank
SWIFT Plan4.30%
Conventional· Lock-in None · Margin —
Bank Islam
Biz Smart Property Financing Program4.37%
Islamic· Lock-in None · Margin —
4.70%
IslamicFull flexi· Lock-in 5 yrs · Margin —
CIMB
SME Biz Property6.60%
ConventionalTerm (non-flexi)· Lock-in 3 yrs · Margin 90%
Affin Bank
BizProperty Max / Max-iOn request
ConventionalSemi flexi· Lock-in — · Margin 140%
Alliance Bank
Business Premises FinancingOn request
ConventionalSemi flexi· Lock-in — · Margin 95%
On request
IslamicTerm (non-flexi)· Lock-in — · Margin —
Bank Muamalat
Commercial Property Financing – SMEOn request
Islamic· Lock-in — · Margin 90%
Bank Pembangunan Malaysia
Tawarruq Asset Financing (TWA)On request
IslamicTerm (non-flexi)· Lock-in — · Margin 90%
Bank Rakyat
Property-iOn request
Islamic· Lock-in — · Margin 80%
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.
Government guarantee schemes for SMEs
These aren’t loans. A government guarantor covers part of a bank’s financing, which can help a business qualify. Ask the bank whether your property purchase is eligible.
- Government Guarantee Scheme MADANI 2026 (GGSM4) (SJPP)
Guarantees 70–80% of new SME financing for working capital and capex, up to RM20 million per SME; banks’ rates are capped at BLR/BFR + 2.0%. Applications close 30 June 2027. Not for refinancing.
- BizJamin / BizJamin-i 2.0 (CGC)
Guarantees 30–80% of SME financing (up to RM5 million guaranteed), including asset acquisition and refinancing; banks’ rates up to BFR + 2.00%.
- BizJamin Bumi / Bumi-i 2.0 (CGC)
The Bumiputera SME version: guarantees 30–90%, up to RM5 million per SME.
Checked 2026-10-21 on the scheme websites.
Questions people ask
Which lenders offer factory and industrial property financing?
15 lenders: OCBC Malaysia, CIMB, Public Bank, Bank Islam, Affin Bank, Alliance Bank, AmBank, Bank Muamalat, Bank Pembangunan Malaysia, Bank Rakyat, HSBC Malaysia, MBSB Bank, Maybank, RHB, Standard Chartered Malaysia.
What is the lowest published rate?
4.25% for OCBC Malaysia Commercial Property Loan (individuals) (SBR + 1.50% (PDS illustration, Jan 2026)). 20 of 26 packages don’t publish a rate.
How much will the bank finance?
Published maximum margins for these packages range 80–140% of the property value; your offer depends on the valuation and your profile.
Which banks finance factories in Malaysia?
The table above lists the lenders we found with published factory or industrial property financing, including development financial institutions.
Can SMEs get help financing a factory?
Government guarantee schemes delivered through banks can support SME property purchases. Ask the lender which schemes apply.