The Bank Negara Malaysia Funded Schemes is part of the Government’s continuous effort to ensure eligible small and medium enterprises (SMEs) in all economic sectors have access to financing at reasonable cost.
Eligibility
Malaysian SMEs that fulfil all of the following criteria:
- Meets the definition of SMEs issued by SME Corporation Malaysia;
- Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers;
- Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%;
- Malaysians residing in Malaysia hold a minimum of 51% shareholding in the SMEs; and
- Maximum shareholders’ funds not exceeding RM5 million
Financing should not be used for refinancing of existing credit/financing facilities
1) Transition Financing Program (TFP) (a.k.a Low Carbon Transition Facility (LCTF))
Empowering SMEs to embrace sustainability and transition to low-carbon operations, building resilience for a greener, more sustainable future.
Purpose of Financing
Capital expenditure or working capital, including the purchase of green-certified non-residential buildings for business use.
What is the Transition Financing Program (TFP)?
The Transition Financing Program (TFP) is designed to support SMEs in adopting sustainable and low-carbon practices across their operations. This includes increasing the use of sustainable raw materials and renewable energy, as well as enhancing energy efficiency in buildings and machinery. This program is in line with the Government’s target for Malaysia to be a net-zero emission economy by 2050.
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
Tenure
Up to ten (10) years.
Interest Rate
Up to 5% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM10 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
2) All Economic Sectors (AES)
Empowering SMEs to grow and expand their business by providing accessible funding.
Purpose of Financing
Capital expenditure or working capital
What is the All Economic Sectors (AES)?
The All Economic Sector (AES) financing scheme is an initiative by Bank Negara Malaysia (BNM) to improve access to financing for Small and Medium Enterprises (SMEs) across all economic sectors, supporting sustainable business growth. This facility offers financing at a fixed rate and is backed by a guarantee from either Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC).
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to five (5) years.
Interest Rate
Up to 7% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM5 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
3) Agrofood (AF)
Empowering SMEs to increase agrofood production for both domestic consumption and export by offering financing at affordable rates, supporting the development of a resilient and competitive agrofood sector.
Purpose of Financing
Capital expenditure, working capital, and/or development of agrifood projects.
What is the Agrofood (AF)
The Agrofood Facility (AF) financing scheme is an initiative by Bank Negara Malaysia (BNM) to support the growth of Malaysia’s agrofood sector, including production for domestic consumption and export. This facility offers financing at a fixed rate and is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC).
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to eight (8) years.
Interest Rate
Up to 3.75% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM5 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
4) Automation and Digitalisation Facility (ADF)
Supporting SMEs across all sectors to enhance productivity and operational efficiency by encouraging the adoption of automation and digital technologies, fostering a more resilient and future-ready business environment.
Purpose of Financing
Purchase of equipment, machinery, computer hardware and software, IT solutions and services, technology support services, and other intangible assets aimed at improving productivity and operational efficiency.
What is the Automation and Digitalisation Facility (ADF)
The Automation and Digitalisation Facility (ADF) financing scheme is an initiative by Bank Negara Malaysia (BNM) to empower SMEs across all sectors to enhance productivity and operational efficiency through the adoption of automation and digital technologies. This facility offers financing at a fixed rate and is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to ten (10) years.
Interest Rate
Up to 4.00% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM3 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
5) High Tech and Green Facility (HTG)
Supporting the growth of SMEs and innovative start-ups by facilitating investments in strategic sectors and technology fields such as digital technology, green technology, and biotechnology through affordable financing.
Purpose of Financing
Capital expenditure or working capital.
What is the Automation and Digitalisation Facility (ADF)
The High Tech and Green Facility (HTG) financing scheme is an initiative by Bank Negara Malaysia (BNM) to empower SMEs and innovative start-ups to grow their businesses and invest in strategic sectors and technology fields such as digital technology, green technology, and biotechnology. This facility offers financing at an affordable rate and is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC), supporting a sustainable and resilient economic recovery.
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to ten (10) years.
Interest Rate
Up to 5.00% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM10 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
6) Disaster Relief Facility (DRF)
Enhancing the resilience of SMEs by facilitating investments in flood preparedness and adaptive strategies, ensuring business continuity amid increasing climate-related risks in Malaysia.
Purpose of Financing
Capital expenditure or working capital.
What is the Disaster Relief Facility (DRF)
The Disaster Relief Facility (DRF) is a special relief initiative by Bank Negara Malaysia aimed at supporting SMEs affected by major flood events, helping them mitigate financial distress and resume operations. This facility offers financing at an affordable rate and is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC), supporting a sustainable and resilient economic recovery.
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to seven (7)) years.
Interest Rate
Up to 3.50% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM2 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
7) PENJANA Tourism Facility (PTF)
Supporting the recovery and growth of SMEs in tourism-related sectors.
Purpose of Financing
Capital expenditure or working capital.
What is the Disaster Relief Facility (DRF)
The facility aims to support the recovery and growth of SMEs in tourism by providing financing for working capital and capital expenditure. Eligible applicants include Malaysian SMEs operating in tourism-related sectors or activities, and/or those licensed or registered with the Ministry of Tourism, Arts and Culture (MOTAC).
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to seven (7)) years.
Interest Rate
Up to 3.50% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM500,000.
Guarantee
Guarantees are available through Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
8) Business Recapitalization Facility (BRF)
Enhancing the capital structure of SMEs, especially those planning capital investments to achieve a healthier and more sustainable debt-to-equity (D/E) ratio.
Purpose of Financing
Capital expenditure or working capital.
What is the Business Recapitalization Facility (BRF)
The Business Recapitalization Fund (BRF) aims at strengthening the capital structure of Small and Medium Enterprises (SMEs), such as those undertaking capital expenditure. By improving access to funding, BRF supports SMEs in achieving a more balanced and sustainable debt-to-equity (D/E) ratio. This facility offers financing at a fixed rate and is backed by a guarantee from either Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC).
Note: The financing shall not be used for the following activities:
- Purchase of shares;
- Refinancing of existing credit/financing facilities;
- Purchase of land/real estate investment;
- Property development;
- Investment by investment holding companies;
- Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses); and
- Gambling, alcohol, tobacco or other similar activities/products.
- Non-shariah compliant activities (applies to Islamic financing only)
Tenure
Up to ten (10) years.
Interest Rate
Up to 5% per annum inclusive of guarantee fee, if any.
Financing Amount
Up to RM5 million.
Guarantee
Guarantees are available through Credit Guarantee Corporation Malaysia Berhad (CGC) and Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).
