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Funds4SME - intro

The objective of these funds is to provide access to financing at reasonable cost for SMEs in all economic sectors. Some funds have been enhanced to provide relief for, and to support the recovery, resilience and growth of SMEs. The funds are channelled through participating financial institutions (PFIs), comprising all licensed banks, prescribed development financial institutions and the Credit Guarantee Corporation Malaysia Berhad (CGC). Applications must be submitted through any PFIs and approval will be subjected to the normal credit assessment of the PFI.

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High Tech & Green Facility (HTG)

The Facility is designed to help SMEs and innovative 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.

Financing rate of up to 3.5% per annum is offered for financing without guarantee or up to 5% per annum inclusive of guarantee fee (with guarantee coverage by Credit Guarantee Corporation Malaysia Berhad (CGC) or Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).

The Facility will be available until full utilisation.

Low Carbon Transition Facility (LCTF)

The Facility is established on a matching basis with participating financial institutions to help SMEs embrace sustainable and low carbon practices in their business operations. This includes to increase usage of sustainable raw materials and renewable energy, and to also improve energy efficiency of buildings or machinery.

This Facility is in line with the Government’s target for Malaysia to be a net-zero emission economy by 2050.

The Facility is available from 3 February 2022 until full utilisation.

SME Automation and Digitalisation Facility (ADF)

The Facility is aimed at incentivising SMEs to automate processes and digitalise operations to improve productivity and efficiency. The financing rate is up to 4% per annum, inclusive of guarantee fee. Guarantee coverage is provided by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).

The Facility will be available until full utilisation.

Agrofood Facility (AF)

The Facility is to increase food production for Malaysia and for export purposes.

UPDATED

Micro Enterprises Facility (MEF)

The Facility is aimed at supporting microenterprises, which may include social enterprises and professional service providers; and Malaysian self-employed individuals, such as gig workers on digital platforms and participants of the iTEKAD programme. The Facility is for working capital and/or capital expenditure.

All Economic Sectors Facility (AES)

This facility is to enhance access to financing for SMEs and to support growth.

UPDATED

PENJANA Tourism Financing (PTF) Facility

First established in July 2020 under the Pelan Jana Semula Ekonomi Negara (PENJANA), the PENJANA Tourism Financing (PTF) Facility was a relief facility dedicated to supporting tourism businesses affected by the COVID-19 pandemic.

In 2025, BNM has reoriented the PTF Facility into a non-relief facility, as a timely measure to encourage business expansion and investment by SMEs in tourism-related sectors ahead of the Visit Malaysia Year 2026.

The enhanced PTF Facility features a simplified eligibility criteria, allowing SMEs involved in tourism sectors or activities listed under the National Tourism Policy 2020-2030 to enjoy financing up to RM500,000.

UPDATED

Relief and Adaptation Facility (RAFt) 

In previous major flood events, BNM has historically provided relief financing to affected SMEs through special disaster relief facilities.

In August 2025, BNM has reoriented and enhanced the Disaster Relief Facility (DRF) into the Relief and Adaptation Facility (RAFt) to promote SMEs’ flood preparedness and business resilience amid worsening flood risks in Malaysia.

Through RAFt, SMEs may now access two forms of financing support of up to RM1 million each for:

  • Relief financing – available after major floods to ease financial burden and support business recovery
  • adaptation financing – available anytime to help SMEs invest in flood protection and resilience