Need help in financing your business? Our Enterprise Facilitation Scheme (EFS) makes this possible for you, granting SMEs financing up to a maximum amount of BND 5 million dollars to help your business on its way. EFS covers a wide range of activities, whether you are using the financed amount to purchase equipment, fund a project or contract, or increase your working capital.

Open All / Close All

Products Offered

Cash Line (Naqad)

Term Financing

Standby Financing

Hire Purchase

Trade Line

Bank Guarantee


Type of Business Sole Proprietor, Partnership, Private Limited Company, Public Limited Company or Cooperative
Size of Business Holds fixed assets of BND 5 million book value or less;
Has 100 employees or less
Registration Companies registered or incorporated in Brunei Darussalam
Entity Ownership Company should have at least 30% of its equity owned by a Citizen of His Majesty Paduka Seri Baginda Sultan dan Yang Di Pertuan Negara Brunei Darussalam.
Targeted Industry Sectors Agriculture
Other Criteria Business must be Shariah compliant.
The company or the owner must be clean from blacklist.
Priority will be given to: Companies undertaking business in the targeted industry sectors;
Entrepreneurs who have undergone relevant business management training recognized by the MIPR and/or the Bank.

Required Documents

For more details on required documents and securities, please speak to our Corporate Bankers.