SME Fully Cash Secured Facility

Use your deposits to fund business growth


Gain access to the funds you need to finance your business operational expenses or purchase of fixed assets using your term deposits as security.

  • Quick access to funds
  • Term deposits may be in Brunei Dollar (BND) or major foreign currencies    
  • Funds can be used for multiple business purposes e.g. inventory purchase, office renovation, working capital
  • Available facilities include Overdraft, Term Loan, Labour Guarantee, Custom Guarantee and Performance Bonds
  • Eligibility Criteria
  • Required Documents
  • Fees & Charges
  • Terms & Conditions
  • Eligibility Criteria

    Eligibility Criteria
    • Establishment must be registered / incorporated in Brunei Darussalam
    • Business must be in operation for a minimum of 3 years
    • Minimum of BND100,000 in annual turnover
  • Required Documents

    Required Documents

    • Applicant’s Term Deposit details
    • Company Business Registration doucments (for Sole Proprietors/ Partnerships/Sendirian Berhad)

  • Fees & Charges
  • Terms & Conditions


    • All credit facilities are subject to approval by Baiduri Bank and drawdown of approved facilities are subject to completion of securing documentation.
    • All Lending rates are quoted at Effective Interest Rate regardless of method of computation used.
    • Effective Interest Rate is pegged to the Bank’s Prime Lending Rate. Any change in Prime Lending Rate will result in a change in the applicable interest rate.

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*Note: We are currently rolling out our new online business banking service, Baiduri b.Digital Business to existing customers in phases. For users who have not yet received their new login credentials, please continue to access the Business i-Banking service for your online banking needs. For more information, please contact us at [email protected] or call 2268 637/8/9 during business hours.

Important notice: Our Business i-Banking service will be deactivated soon. To ensure continued access and a smooth transition to the new Baiduri b.Digital Business, please provide your full name, IC, email address and mobile number via Business i-Banking Inbox. If we do not receive updated details from all authorised users, your company will not be migrated to the new platform and a fresh application will be required. For assistance, contact us at [email protected] or call 2268 637/8/9 during business hours. Thank you for your cooperation.
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