All Economics Sector(AES)

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

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

RM5 million
Maximum tenure

Up to 5 years


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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2024-05-24 08:26:17