BNM's Funds for SMEs


To enhance access to financing at reasonable cost for SMEs in all economic sectors

Financing type
Financing rate

Up to 8% per annum

Financing tenure

Up to 5 years

Financing amount (max)

RM 5.0 Million

Purpose of Financing
Working Capital
Eligibility criteria

SMEs including Bumiputera enterprises that fulfill the following criteria: 

  • Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers; 
  • Shareholders’ funds not exceeding RM5 million; 
  • Shareholding by Public Listed Companies and Government Linked Companies (if any) shall not exceed 20%; and 
  • Malaysians residing in Malaysia hold a minimum of 51% shareholding in the SMEs.
Application procedure

Application must be submitted through any participating financial institutions (PFIs) and approval will be subjected to the normal credit assessment of the PFI.

For further information

Development Finance and Enterprise Department 
Bank Negara Malaysia (BNM) 
Jalan Dato’ Onn 
50480 Kuala Lumpur 
Tel: 03-2691 3764