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Business Expansion

Bank Negara Malaysia (BNM) Funds

Funds to assist Small and Medium Enterprises (SMEs).

Financing under Micro Enterprises Facility (MEF)

This facility aims to improve the access to collateral-free micro financing for micro enterprises* to raise funds for capital expenditure and working capital. The financing is under BNM’s Pembiayaan Mikro Scheme. *Includes those seeking to generate income by being self-employed or gig worker on digital platforms, as well as participants of the iTEKAD programme.

Here’s what MEF can do for you:

No collateral required.
Loan amount up to RM100,000.
Loan tenure up to 7 years.

Facility will be guaranteed by SJPP, if applicable.

Indicative Effective Lending Rate

Financing under Relief and Adaptation Facility (RAFt)

RAFt provides support as follows: (i) RAFt (Relief) aims to alleviate the financial burden of SMEs affected by floods and enable them to resume their business operations. (ii) RAFt (Adaptation) aims to promote SMEs’ flood preparedness and business resilience.

Here’s what RAFt can do for you:

Loan amount up to RM1 million.
Loan tenure up to 7 years, including an optional moratorium period of 6 months for RAFt (Relief).
Attractive pricing.

Facility will be guaranteed by CGC or SJPP.

Financing under PENJANA Tourism Financing (PTF) Scheme

This facility aims to support the recovery and growth of SMEs in the tourism-related sectors.

Here’s what PTF Scheme can do for you:

Loan amount up to RM500,000.
Loan tenure up to 7 years.
Attractive pricing.

Facility will be guaranteed by SJPP.

Financing under Business Recapitalisation Facility (BRF)

This facility aims to support SMEs to recover and grow, while managing their level of indebtedness through innovative financing solutions. SMEs may obtain financing through blended financing, which is a mix of debt financing from the Bank and equity financing from third party equity financiers.

Here’s what BRF can do for you:

Loan amount up to RM5 million.
Loan tenure up to 10 years.
Attractive pricing.

Facility will be guaranteed by CGC or SJPP.

Financing under SME Stabilisation Relief Facility (SME SRF)

This facility aims to assist Micro, Small and Medium Enterprises (MSMEs) affected by the ongoing West Asia conflict.

Here’s what SME SRF can do for you:

Loan amount up to RM750,000
Loan tenure up to 5 years
Financing rate up to 3.75% per annum (inclusive of guarantee fee)

Facility will be guaranteed by CGC or SJPP.

Subject to eligibility criteria and terms & conditions (T&C) apply.

Business Expansion

Bank Negara Malaysia (BNM) Funds

Financing under Micro Enterprises Facility (MEF)

Here’s what MEF can do for you:

Financing under Relief and Adaptation Facility (RAFt)

Here’s what RAFt can do for you:

Financing under PENJANA Tourism Financing (PTF) Scheme

Here’s what PTF Scheme can do for you:

Financing under Business Recapitalisation Facility (BRF)

Here’s what BRF can do for you:

Financing under SME Stabilisation Relief Facility (SME SRF)

Here’s what SME SRF can do for you:

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Business Expansion

Bank Negara Malaysia (BNM) Funds

Financing under Micro Enterprises Facility (MEF)

Here’s what MEF can do for you:

Financing under Relief and Adaptation Facility (RAFt)

Here’s what RAFt can do for you:

Financing under PENJANA Tourism Financing (PTF) Scheme

Here’s what PTF Scheme can do for you:

Financing under Business Recapitalisation Facility (BRF)

Here’s what BRF can do for you:

Financing under SME Stabilisation Relief Facility (SME SRF)

Here’s what SME SRF can do for you:

Products & Services

Digital SME Assist

Help & Support