Small Debt Resolution Scheme (SDRS)


To assist SMEs facing business financing problem with financial institutions through restructuring or rescheduling or the existing financing

Financing type
Restructuring & Rescheduling
Eligibility criteria
  • Malaysian owned companies (at least 51% shareholding) in all economic sectors
  • Meet the SME definition criteria:
    • Number of full time employees not exceeding 200;
    • Annual sales turnover not more than RM50 million
    • Viable SMEs facing financial difficulties with financing from financial institutions
    • Applicable for business related financing only
    • Business is still on-going

Application procedure
  • Submit complete SDRS application to Participating Financial Institutions or BNMLINK / BNM Regional Offices / Branch
  • SDRS Secretariat of BNM shall contact applicant
  • Evaluation of application by PFIs
    • If application is approved, PFIs and borrower implement new financing terms
    • If application is rejected, SDRS Secretariat of BNM will undertake an independent assessment on the application
  • Participating PFIs:
    • All commercial banks
    • All Islamic banks
    • Bank Rakyat
    • Bank Pembangunan Malaysia
    • Bank Pertanian Malaysia (Agrobank)
    • SME Bank
    • EXIM Bank
    • Bank Simpanan Nasional (BSN)
For further information

Bank Negara Malaysia (BNM)
Jalan Dato’ Onn
50480 Kuala Lumpur
Tel: 03-21741515