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
• Financing should not be u​sed for refinancing of existing credit/financing facilities

1) SME Stabilisation Relief Facility (SME SRF)

Providing short-term financial relief and alleviate cash flow constraints.

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2) Relief and Adaptation Facility (RAFt)

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 Relief and Adaptation Facility (RAFt)

The Relief and Adaptation Facility (RAFt) is a special fund by Bank Negara Malaysia aimed at supporting SMEs in two (2) key forms of support:

1. Relief financing after major floods; and
2. Adaptation financing at any time to mitigate future flood events.

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).

3) 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 PENJANA Tourism Facility (PTF)

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).

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).

More Information