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Business Expansion

Bank Negara Malaysia (BNM) Funds

Funds to assist Small and Medium Enterprises (SMEs).

Financing under All Economic Sectors Facility (AES)

This facility aims to improve access to financing for SMEs to raise funds for capital expenditures and working capital, subject to eligibility criteria.

Here’s what AES can do for you:

Loan amount up to RM5 million.
Loan tenure up to 5 years.
Attractive pricing.

Facility will be guaranteed by CGC or SJPP, if applicable.

Financing under Agrofood Facility (AF)

This facility aims to increase agrofood production for Malaysia and for export purposes through the provision of financing at affordable rates. Financing can be raised for capital expenditures, working capital and development of agrofood projects, subject to eligibility criteria.

Here’s what AF can do for you:

Loan amount up to RM5 million.
Loan tenure up to 8 years.
Attractive pricing.

Facility will be guaranteed by SJPP.

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 SME Automation and Digitalisation Facility (ADF)

This facility provides financing to SMEs to incentivise them in automating processes and digitalising operations to increase productivity and efficiency, subject to eligibility criteria.

Here’s what ADF can do for you:

Loan amount up to RM3 million.
Loan tenure up to 10 years.
Attractive pricing.

Facility will be guaranteed by SJPP.

Financing under Disaster Relief Facility (DRF)

This facility aims to alleviate the financial burden of SMEs affected by flood nationwide and facilitate the resumption of business operations.

Here’s what DRF can do for you:

Open to SMEs affected by floods in districts identified by Agensi Pengurusan Bencana Negara (NADMA) as flood disaster areas and SMEs’ assets (e.g. inventory, equipment and business premise) have been damaged by disaster.
Loan amount up to RM700,000 per SME under category of Small or Medium and RM150,000 per SME under category of Micro.
Loan tenure up to 7 years, including an optional moratorium period of 6 months.
Attractive pricing.

Facility will be guaranteed by CGC or SJPP.

Financing under PENJANA Tourism Financing (PTF) Scheme

This facility aims to support viable SMEs in the tourism sector, by preserving capacity as well as assisting SMEs to undertake the necessary investment to adjust and remain viable post-COVID-19.

Here’s what PTF Scheme can do for you:

Loan amount up to RM500,000.
Loan tenure up to 7 years, including 12 months moratorium period and option for subsequent 12 months interest only payment period.
Attractive pricing.

Facility will be guaranteed by SJPP.

Financing under High Tech & Green Facility (HTG)

This facility aims to help SMEs and innovate start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech and biotech) for a sustainable and entrenched economic recovery.

Here’s what HTG can do for you:

Loan amount up to RM10 million.
Loan tenure up to 10 years.
Attractive pricing.

Facility will be guaranteed by CGC or SJPP, if applicable.

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 Low Carbon Transition Facility (LCTF)

This facility aims to encourage and support SMEs to adopt sustainable practices for business resilience. These sustainable practices include, but are not limited to, obtaining sustainability certification, increasing the use of sustainable material for production, improving energy efficiency of building and appliances, and installing on-site renewable energy generation equipment.

Here’s what LCTF can do for you:

Loan amount up to RM10 million.
Loan tenure up to 10 years.
Attractive pricing.

Facility will be guaranteed by CGC or SJPP, if applicable.

Terms & Conditions Apply.

Business Expansion

Bank Negara Malaysia (BNM) Funds

Financing under All Economic Sectors Facility (AES)

Here’s what AES can do for you:

Financing under Agrofood Facility (AF)

Here’s what AF can do for you:

Financing under Micro Enterprises Facility (MEF)

Here’s what MEF can do for you:

Financing under SME Automation and Digitalisation Facility (ADF)

Here’s what ADF can do for you:

Financing under Disaster Relief Facility (DRF)

Here’s what DRF can do for you:

Financing under PENJANA Tourism Financing (PTF) Scheme

Here’s what PTF Scheme can do for you:

Financing under High Tech & Green Facility (HTG)

Here’s what HTG can do for you:

Financing under Business Recapitalisation Facility (BRF)

Here’s what BRF can do for you:

Financing under Low Carbon Transition Facility (LCTF)

Here’s what LCTF can do for you:

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Business Expansion

Bank Negara Malaysia (BNM) Funds

Financing under All Economic Sectors Facility (AES)

Here’s what AES can do for you:

Financing under Agrofood Facility (AF)

Here’s what AF can do for you:

Financing under Micro Enterprises Facility (MEF)

Here’s what MEF can do for you:

Financing under SME Automation and Digitalisation Facility (ADF)

Here’s what ADF can do for you:

Financing under Disaster Relief Facility (DRF)

Here’s what DRF can do for you:

Financing under PENJANA Tourism Financing (PTF) Scheme

Here’s what PTF Scheme can do for you:

Financing under High Tech & Green Facility (HTG)

Here’s what HTG can do for you:

Financing under Business Recapitalisation Facility (BRF)

Here’s what BRF can do for you:

Financing under Low Carbon Transition Facility (LCTF)

Here’s what LCTF can do for you:

Products & Services

Digital SME Assist

Help & Support