Financing Facility to assist Malaysian SMEs

1

SME Stabilisation Relief Facility (SME SRF)

Objective

Provide short-term financial relief and alleviate cash flow constraints faced by SMEs during periods of economic disruption

Eligibility criteria

Viable Malaysian SMEs materially affected (i.e. resulting in financial stress) by trade and supply chain disruptions from geopolitical conflict in West Asia (beginning March 2026)
  1. At least 51% share of the ownership is held by Malaysians.
  2. Refers to micro, small and medium enterprises as defined by the Guidelines for SME Definition issued by SME Corporation Malaysia, accessible at the SME Corporation Malaysia website.

Purpose of financing

Working capital (excludes refinancing)

Tenure

Up to 5 years

Financing size

Up to RM750,000

Financing rate

Up to 3.75% p.a. inclusive of guarantee fee of 0.5% p.a.

Facility Type

Term Loan / Term Financing-i

Guarantee coverage

Up to 80% guarantee coverage from either Credit Guarantee Corporation Malaysia Berhad (CGC) or Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

Apply Now
2

BNM’s Fund For SMEs – Relief and Adaption Facility (RAFt)

Type of Financing

 Adaptation Financing Relief Financing (includes enhancements)

Objective

 To promote SMEs’ flood preparedness and business resilience To alleviate the financial burden of SMEs affected by floods and enable them to resume their business operations.

Eligibility Criteria

 Malaysian SMEs*:
  1. Previously affected by floods, including flash floods; and/or
  2. Located in flood-prone area
  1. Malaysian SMEs* affected by floods located in districts identified by Agensi Pengurusan Bencana Negara as flood disaster areas
  2. Application for the financing must be made at most 12 months after the flood event
  1. Malaysia SMEs affected by floods located in districts identified by Agensi Pengurusan Bencana Negara (NADMA) as flood disaster areas and assets have been damaged by the disaster
  2. Registered with the Companies Commission of Malaysia (SSM)
  3. Shares by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%
  4. Malaysia SMEs with at least 51% shares held by Malaysian

Type of Facility

Term Loan (TL) / Commodity Murabahah Term Financing-i (CMTF-i ) ONLY

Financing Amount

Up to RM 1 Million per SME for adaptation financing and relief financing, respectively.

Note: If both adaptation and relief financing are taken up, the combined limit is RM 2 Million per SME

Financing Rate

Up to 3.5% p.a. (fixed rate) inclusive of 0.5% guarantee fee (absorbed by RHB)

Financing Tenure

Maximum 7 years inclusive 6 months moratorium on principal and interest/profit; interest/profit is accrued, non-compounded

Guarantee Coverage

Up to 80% of financing amount by Credit Guarantee Corporation Malaysia Berhad (CGC)

Available of Fund

Until 30 June 2027 or full utilisation, whichever earlier

* As defined by SME Corp. Malaysia’s Guideline for SME Definition, accessible at https://smecorp.gov.my/index.php/en/policies/2020-02-11-08-01-24/sme-definition
Apply Now
3

BNM’s Fund For SMEs - PENJANA Tourism Financing (PTF)

 

 PENJANA Tourism Financing (PTF)

Objective

 To support the recovery and growth of SMEs in tourism-related sectors.

Eligibility Criteria
  • The financing may be used by Malaysian SMEs1,2 in any tourism-related sectors or activities and/or SMEs that are licensed/registered with MOTAC.
  • Eligible tourism sectors or activities include, but are not limited to, those listed in the National Tourism Policy 2020-20303: Ecotourism;
  • Ecotourism;
  • Adventure tourism;
  • Youth tourism;
  • Sports tourism;
  • Cultural and heritage tourism;
  • Community-based tourism;
  • Island tourism;
  • Coastal tourism;
  • Urban tourism
  • Shopping tourism;
  • Medical and wellness tourism;
  • Meetings, incentives, conventions and exhibitions (MICE) tourism;
  • Cross-border tourism;
  • Rural/agro tourism;
  • Cruise tourism;
  • Special interest tourism; and
  • Muslim-friendly tourism.
  • The tourism sectors or activities cited above serve as non-exhaustive guidance only and are accurate as of the publication date. However, it is advisable to refer directly to the National Tourism Policy document published by MOTAC for the most current information.

Note: 1At least 51% shares held by Malaysians. 2SMEs refers to micro, small and medium enterprises as defined by the Guideline for SME Definition issued by SME Corporation Malaysia 3As published by Minister of Tourism, Arts and Culture (MOTAC) accessible at: https://motac.gov.my/en/download/category/114-dasar-pelancongan-negara-dpn-2020-2030

Purpose of Financing
  • Working capital; and/or
  • CAPEX
The financing shall NOT be used for the following activities:
  • Refinancing of existing credit/financing facilities;
  • Purchase of shares;
  • Purchase of land/real estate and property for investment (i.e. not for business use or generation of income from tourism activity);
  • Property development (i.e. planning, building and managing real estate with the objective of selling or leasing the developed property)
  • Investment by investment holding companies;
  • Activities where the stock in trade is money (including credit, leasing, factoring and insurance businesses);
  • Gambling, alcohol, tobacco or other similar activities/products; and
  • Non-Shariah compliant activities (applies to Islamic financing only)

Type of Financing

 Commodity Murabahah Term Financing-i / Term Loan only

Financing size

 Up to RM500,000 per SME, including microenterprises, where:
The financing obtained under the Facility is subject to the maximum aggregate amount of financing under BNM’s Fund of RM5mil on for any related SMEs with common shareholder(s), unless the related SMEs have different workforces.

Financing Rate

 Up to 3.5% p.a., inclusive of 0.50% p.a. guarantee fee (absorbed by RHB)

Financing Tenure

 Up to 7 years

Fees

 No Legal Fees

Available of Fund

 Until full utilisation

PENJANA Tourism Financing (PTF)

Objective
To help alleviate the short-term cash flow problems faced by SMEs1 due to COVID‑19 and MCO

Eligibility Criteria
  • Malaysian SMEs¹ in the core tourism and tourism-related sectors which are either:
    • SMEs as defined by SME Corp Malaysia²; OR
    • Licensed by/registered with MOTAC.
  • The eligible sectors are as follows:
    • Core tourism:
      • Tourism accommodation premises (e.g. budget hotels, registered homestays, chalet and resorts);
      • Travel agencies & tour operators; and
      • Transportation for tourists (e.g. bus, boat and car rental operators)
    • Tourism-related sectors:
      • Medical tourism;
      • MICE (Meetings, Incentives, Conference, Exhibitions) ecosystem;
      • Money service businesses³ (MSB);
      • Capacity building institutions which are primarily set up to provide tourism related courses/training, and licensed by or registered with MOTAC (e.g. Institut Latihan Pelancongan); and
      • Tourism-related retail, recreation and wellness that can justify significant reliance on tourists
      • Recipients of Special Relief Facility (SRF) or PENJANA SME Financing (PSF) are eligible to apply.

Type of Financing
Commodity Murabahah Term Financing-i

Financing Size

  • SME: Up to RM500,000 per SME
  • Microenterprise: Up to RM75,000 per micro enterprise
  • Note: A collective financing limit is applicable for SMEs with common shareholder(s) of equal to or more than 20% shareholding.

Financing Rate
3.5% p.a. inclusive of 1% guarantee fee (absorbed by RHB)

Financing Tenure
Maximum 7 years (inclusive of 6 months moratorium on principal and interest/profit; interest/profit is accrued, non-compounded)

Fees
No Legal Fees

Available of Fund
Until full utilisation of Facility
 
Apply Now
4

BNM’s Fund For SMEs - Micro Enterprises Facility (MEF)

MEF logo

Objective

 To increase access to collateral-free financing for registered micro enterprises across all economic sectors, particularly under-served segments at a reasonable cost.

Eligibility Criteria
  • Micro enterprises
  • Companies registered with Companies Commission of Malaysia (CCM) / have license from Local Authority/ District Offices (for Sabah & Sarawak) or Operation Permit - including sole proprietors/ partnerships/ private limited companies
  • Minimum 3 years in operation
  • Business locally incorporated/registered in Malaysia.
  • Maximum age 70 years old (age limit at maturity date)

Purpose of Financing

 Working capital

Tenure

 3 – 7 years

Financing size

 RM50,000 – RM100,000

Financing Rate

 Up to BLR/BFR + 2% p.a.

Facility Type

 Term Loan (TL) / Commodity Murabahah Term Financing-i (CMTF-i) only

Collateral

 No collateral required

Objective
To increase access to collateral-free financing for registered micro enterprises across all economic sectors, particularly under-served segments at a reasonable cost.

Eligibility Criteria
  • Micro enterprises
  • Companies registered with Companies Commission of Malaysia (CCM) / have license from Local Authority/ District Offices (for Sabah & Sarawak) or Operation Permit - including sole proprietors/ partnerships/ private limited companies
  • Minimum 3 years in operation
  • Business locally incorporated/registered in Malaysia.
  • Maximum age 70 years old (age limit at maturity date)

Purpose of financing
Working capital

Tenure
3 – 7 years

Financing size
RM50,000 – RM100,000

Financing rate
Up to BLR/BFR + 2% p.a.

Facility Type
Term Loan (TL) / Commodity Murabahah Term Financing-i (CMTF-i) only

Collateral
No collateral required
 
Apply Now
Get in touch with RHB today.
Call us at 03-9206 8118
rhb-logo
For avoidance of doubt, RHB Islamic Bank only promotes and manages promotions in relation to RHB Islamic Bank products and its related proposition only.
RHB Bank Berhad 196501000373 (6171-M) | RHB Islamic Bank Berhad 200501003283 (680329‑V)
Close

You are about to enter a third party website and RHB Banking Group's privacy policy will cease to apply.

This link is provided for your convenience only, and shall not be considered or construed as an endorsement or verification of such linked website or its contents by RHB Banking Group.

RHB Banking Group also makes no warranties as to the status of this link or information contained in the website you are about to access.