Business growth is critical for the economic and social development of emerging markets such as ours. MIDF’s role within this spectrum is to assist these businesses in gaining greater access to financing by providing funding for working capital and fixed assets in fulfilling their growth ambitions.

We offer high margin of financing, at fixed profit rates free of any BLR movements, which translate into fixed financing costs for you.

Industrial Land & Factory Building

SMEs in the manufacturing sector and its related services, as well as those in the service sectors (excluding insurance and financial services), are able to expand capacity by acquiring industrial or commercial land, as well as construct their own factory or business premises.

It can also be used to acquire ready made factories or business premises, and for renovation or upgrade of business premise and retail outlets.
Commercial Shop-lots
We provide financial assistance to companies acquiring commercial space. We also provide financing for renovations and other related requirements.
We provide financial assistance to companies in attaining machinery, which could increase productivity through automation.
Industrial Equipment
We also provide financial assistance to companies in attaining industrial equipment, in developing their capacities.
IT Equipment / Software
We provide financing assistance to new start-up companies and/or enterprises for IT hardware/software and equipment for new services entrepreneurs.
Commercial Vehicles
Islamic financing is also provided with fixed profit rate for financing commercial motor vehicles purchases.
Working Capital Financing

This facility is designed for local companies either SMEs or Non-SMEs in manufacturing and its related services, as well as those in the service sector.

It covers purchase of raw materials, consumables, expenditure on advertising and promotional costs such as media advertising, e-commerce website development and printing of promotional materials.

It also covers receivable financing i.e. Islamic sales revolving credit and factoring.

Client Charter and Client Charter Achievement

Client Charter

We, at Development Finance Division (DFD), pledge to provide exemplary services to our Customers through these commitments:

  • Evaluate all applications for financing facilities with fairness and without prejudice, in accordance with the applicable statutory requirements, as set forth by the relevant authorities.
  • Treat all parties with courtesy, understanding, respect and sincerity.
  • Endeavour to provide the most suitable available financing facility to match the financial requirements of our customers.
  • Process the application for financing facilities upon receipt of all the necessary documents/information and communicate the outcome of the application in a timely manner. 
  • Disburse promptly all approved facilities upon request by our customers with proper and complete documentation. 
  • Ensure that the asset/property/documents/information submitted to us or kept in our custody will be protected, in terms of its integrity and secrecy. 
  • Attend to any queries or feedback in a prompt and courteous manner.
  • Inform the public on the latest developments of DFD and the available financing schemes.
Client Charter Achievement


 Client Charter Achievement
Jan - Mar 2017 Apr - June 2017 July - Sept 2017 Oct - Dec 2017

 30 days – Decision for loan application. 

98.5% - - -



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