To provide financial assistance as well as encouraging bumiputeras to venture into the franchising business; including those from the public sector, private sector, and early retirees or even those who have taken the Voluntary Severance Scheme (VSS).

• Applicants must be owners/operators aged 21 and above;
• Priority will be given to individuals with at least a diploma qualification;
• Franchisors/master franchisees must be registered with the Registrar of Franchises (ROF);
• The business must be 100% Bumiputera-owned and Shariah-compliant;
• Must obtain an offer letter from the Franchisor/Master Franchisee;
• Sendirian Berhad companies (Private Limited companies) may apply for financing above RM250,000;
• Applications by sole proprietors are limited to financing below RM250,000;
• Cooperatives must establish a Sendirian Berhad (Private Limited company) and obtain an offer letter from the franchisor/master franchisee before submitting a financing application to Pernas;
• Applicant companies, business owners, and shareholders must be in good credit standing and have not been declared bankrupt.

This scheme provides financial assistance to pre-franchisors and master franchisees looking to grow their business in Malaysia. For master franchisees, the right to hold the franchise must first be obtained from the franchisor.

• Processing Fee : 0.5% of the approved financing limit
   
• Legal & Stamp Duty Fees : 3.0% of the approved financing limit (subject to variations and adjustments)
   
• Training Fee : RM300
   
• Wakalah Fee : RM50
   
• Takaful Protection : General and credit protection
   
• Subject to terms and conditions