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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), including commercial banks, Islamic banks and development financial institutions regulated by BNM. Applications must be submitted through any PFIs and approval will be subjected to the normal credit assessment of the PFI.

Funds4SME - tiles 2026 STar update

 

NEW

SME Stabilisation Relief Facility (SME SRF)

The SME Stabilisation Relief Facility (SME SRF) supports SMEs facing short-term financial pressures caused by disruptions to global trade and supply chains arising from the ongoing geopolitical conflict in West Asia. The SME SRF provides timely working capital financing to help viable SMEs stabilise and sustain business operations through this period of heightened uncertainty.

The facility is open for applications from 15 May 2026 to 31 December 2026 or full utilisation, whichever earlier.

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.

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.

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:

a) Relief financing – available after major floods to ease financial burden and support business recovery

b) Adaptation financing – available anytime to help SMEs invest in flood protection and resilience