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All Economics Sector (AES)

Enhance access to financing for SMEs in all economic sectors, to support growth.

Financing

All Economics Sector (AES)

Enhance access to financing for SMEs in all economic sectors, to support growth.

Features

Financing Rate

Up to 7% p.a. (inclusive guarantee fee)

Maximum Financing

RM5 million

Maximum tenure

Up to 5 years

Benefits

Enhanced Access to Financing

Support for SME Growth

Reasonable Cost

Business Sustainability

Economic Impact

Eligibility Criteria

Malaysia SMEs* in the following criteria:

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

Participating Financial Institutions (PFIs)

  • Commercial banks,
  • Islamic banks,
  • Development financial institutions regulated by BNM.

Application Procedure

  • Submit application directly to PFIs and approval will be subjected to the credit assessment of the PFIs.

** Based on the definition of SME as approved by the National Entrepreneur and SME Development Council (NESDC).

*Terms and conditions apply.

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2026-02-19 08:20:40