To support small and medium enterprises (SMEs) affected by global energy challenges and geopolitical uncertainties, Bank Negara Malaysia (BNM) has announced a RM50 billion financing relief initiative under the SME Stabilisation Relief Facility, aimed at easing cash flow pressures and supporting business continuity.
BNM Financing Programme
Key Highlights
- Financing amount: Up to RM750,000
- Eligible applicants: Affected SMEs
- Financing tenure: Up to 5 years
- Interest/profit rate: Up to 3.75% p.a. (inclusive of guarantee fees)
Important notes:
Approved by BNM, with only one application allowed per company.
Due to rising diesel costs, the transportation sector will be prioritised, and slots are limited.
Businesses are encouraged to consult their banks and apply early.
Guarantee & Application Structure
This facility is provided through participating financial institutions and supported by government credit guarantees to improve SME access to financing.
Key structure:
▪ Financing is offered via participating banks and financial institutions
▪ Credit Guarantee Corporation Malaysia (CGC) provides up to 80% financing guarantee
▪ Special support for SMEs with insufficient collateral
How to Apply ？
Application Period
Opening date: 15 May 2026
Closing date: 31 December 2026
(or until full allocation is utilised)
Applications can be submitted through:
▪ Commercial banks
▪ Islamic banks
▪ Development financial institutions (regulated by BNM)
Important Note
SMEs may seek assistance from Agensi Kaunseling dan Pengurusan Kredit (AKPK) for debt management and Small Debt Resolution Scheme (SDRS) support. This initiative is particularly relevant for SMEs seeking working capital support, improved cash flow stability, and sustainable business operations amid uncertain economic conditions.
(201706002678 & AF 002133)