Languages: Others

Access to Financing

No. MINISTRY IMPLEMENTER / AGENCY PROGRAMME OBJECTIVE / ACTIVITY SECTOR WEBSITE/ GENERAL LINE STAGE OF BUSINESS
1 Ministry of International Trade & Industry (MITI)  Malaysian Industrial Development Finance Berhad (MIDF) Soft Loan Schemes for Service Sector (SLSSS) Provide financing assistance for:
  • New start-up companies/enterprises - creation of new services entrepreneurs; and
  • Expansion / upgrading / modernization / diversification for existing services providers into higher value-added activities and improving productivity and efficiency in service delivery.
Services

www.midf.com.my  /

603 - 2173 8888

Startup
2 Ministry of International Trade & Industry (MITI)  Malaysian Industrial Development Finance Berhad (MIDF) Soft Loan Schemes for Automation and Modernisation (SLSAM) Encourage and assist manufacturing companies to:
  • Modernise and automate their manufacturing process;
  • Upgrade production capability and capacity
  • Minimising dependence on labour-intensive activities and foreign labour;
  • Diversifying into higher value-added activities;
  • Rationalise and streamlining their operations through mergers and acquisitions;
  • Productivity improvement; and
  • Enhancing export performance
Manufacturing & Services

www.midf.com.my / 

603 - 2173 8888

 Export
3 Ministry of International Trade & Industry (MITI)  Malaysian Industrial Development Finance Berhad (MIDF) Soft Loan for SMEs (SLSME)
  • Provide assistance to existing and new start-up companies in project, fixed assets and working capital financing;
  • Assist SMEs which are operating in unlicensed premises to relocate their operations to legal industrial sites or premises; and
  • Assist SMEs to improve their competitiveness, efficiency and productivity through the adoption of ICT in business management and operations.
Manufacturing & Services

www.midf.com.my / 

603 - 2173 8888

 Startup
4 Ministry of International Trade & Industry (MITI)  Malaysian Industrial Development Finance Berhad (MIDF) Soft Loan for Bumiputera Automative Entrepreneur (SLBAE)

Approved Permit (AP) holders in expanding and diversification into other automotive-related businesses. The programme also help to sustain and enhance Bumiputera participation in the automotive industry.

Manufacturing & Services

www.midf.com.my / 

603 - 2173 8888

 Growth
5 Ministry of International Trade & Industry (MITI)  Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank)  Financing to Indian Community

Collaborative effort with Secretariat For Empowerment of Indian Entrepreneurs (SEED) in providing financing to eligible Indian entrepreneurs.

All

www.smebank.com.my / 

 1 - 800 - 88 - 3131

Growth & Expansion

6 Ministry of International Trade & Industry (MITI)  Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank)  Skim Anjakan Usahawan

Financing facility for SMEs, particularly small Bumiputera companies that have been in operation for a minimum of 2 years for their business expansion

All

www.smebank.com.my / 

603 - 2615 2020

 Growth & Expansion

7.

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Dana Ekuiti Bumiputera (EquiBumi)

  • Expansion of the existing BFF to support Bumiputera equity ownership in indentified non-core activities of GLCs that to be divested.
  • The enhanced scope will include the acquisition of majority interest in PLC and potential companies to be listed (Owned by GLC ect)

All

www.smebank.com.my / 
 603 - 2615 2020

 Growth

8.

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Malay Reserve Development Financing (MRDF)

  • Ensure systematic development of Malay Reserve Land in strategic locations within Kuala Lumpur
  • Establish an integrated eco-system to improve the Bumiputera quality of life and business opportunity.
  • Some identified areas are -Kg Baru, Kg Pandan, Kg Dato' Keramat

Manufacturing

www.smebank.com.my / 
603 - 2615 2020

 Growth

9

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Tabung Usahawan Siswazah 2
(TUS 2) 

Provide more opportunity for the graduate to venture into entrepreneurship

All

www.smebank.com.my / 
603 - 2615 2020

 Startup

10

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Young Entrerpreneur Fund

  • Assist young entrepreneurs involved in business activities that have been of interest to the young generation; and
  • Open to all youth of 18-30 years of age at the point of application.

Services

www.smebank.com.my / 
603 - 2615 2020

 Startup

11

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

SME Technology Transformation Fund (STTF)

SME Bank in collaboration with SIRIM  will provide financing facility to SMEs to upgrade / enhance and  rectify their technologies in order to achieve higher productivity, improving the process efficiency, efficient cost management and penetrating the export market.

All

 

Growth & Expansion

12

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

IBS Promotion Fund
Dana Promosi IBS

Facilitate eligible Industrialised Building System (IBS)  contractors, manufacturers and developers in the construction of infrastructure projects and other Government projects

Manufacturing

www.smebank.com.my
1 - 800 - 88 - 3131

 

13.

Ministry of International Trade & Industry (MITI) 

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

SME Go

Financing program that was developed to support Going-Export (Go-Ex) programme under Malaysian External Trade Development Corporation (MATRADE)

All

www.smebank.com.my / 
603 - 2615 2020

 Growth & Expansion

14.

Ministry of International Trade & Industry (MITI)

Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Online Business Financing (OBF)

Financing designed to help entrepreneurs establish a viable online business presence

All

www.smebank.com.my / 
603 - 2615 2020

Growth & Expansion

15.

Ministry of International Trade & Industry (MITI)

SME Corporation Malaysia (SME Corp. Malaysia)

Business Accelerator Programme (BAP)

An integrated programme to develop and nurture dynamic, competitive and resilient SMEs through SCORE, capacity building, advisory and technical support as well as financial support

All

www.smecorp.gov.my
603 - 2775 6000
1 - 300 - 30 - 6000

Growth & Expansion

16

Ministry of International Trade & Industry (MITI)

SME Corporation Malaysia (SME Corp. Malaysia)

Enrichment and Enhancement Programme (E²)

An integrated programme to develop and nurture dynamic, competitive and resilient MEs through M-CORE, capacity building, advisory and technical support as well as financial support

All

www.smecorp.gov.my
603 - 2775 6000
1 - 300 - 30 - 6000

Growth & Expansion

17.

Ministry of International Trade & Industry (MITI) 

SME Corporation Malaysia (SME Corp. Malaysia)

Tunas Usahawan Belia Bumiputera (TUBE)

  • Acculturate entrepreneurship among youth
  • Paradigm shift from job seekers to employment providers
  • Create resilience and sustainability of entrepreneurs

All

www.smecorp.gov.my
603 - 2775 6000
1 - 300 - 30 - 6000

Startup

18.

Ministry of International Trade & Industry (MITI) 

SME Corporation Malaysia (SME Corp. Malaysia) 

Syari'ah-Compliant SME Financing Scheme (SSFS)

Provide financing assistance to eligible Malaysian SMEs whereby the Government of Malaysia has agreed to pay 2% (percentage point) of the profit rate charged on the financing provided by participating of 13 Islamic Banks.

All

www.smecorp.gov.my / 

603 - 2775 6000

 Growth

19.

Ministry of Finance (MoF) 

Kumpulan Modal Perdana Sdn Bhd (KMPSB) 

Dana Modal Teroka

Provide venture capital financing to related companies in Electric and Electronic (E&E) sector.

Manufacturing
Pembuatan

www.modalperdana.com / 
603 - 7964 5200

 Growth

20.

Ministry of Agriculture and Agro-based Industry (MOA)

Bank Pertanian Malaysia Berhad (Agro Bank)

Dana Pembiayaan Usahawan Pertanian (DPUP)

Skim Tabung Untuk Makanan (3F)

All

www.agrobank.com.my
603 - 2731 1600       

Growth & Expansion

21.

Ministry of Agriculture and Agro-based Industry (MOA) 

Lembaga Pertubuhan Peladang (LPP) 

Tabung Pembangunan Usahaniaga Peladang (TPUP)

  • To improve farmer's net income to more than RM4,000 per month; and
  • Creating new agro-preneurs capable to undertake production agriculture, processing and large-scale service and quality products.

Agriculture

www.lpp.gov.my / 
603 - 2610 8600

 Startup

22.

Ministry of Agriculture and Agro-based Industry (MOA) 

TEKUN Nasional (TEKUN) 

TEKUN Financing

  • Provide funds to SMEs for expansions;
  • Provide entrepreneurship information and business opportunities to TEKUN participants;
  • Provide advisory and support to TEKUN participants;;
  • Develop TEKUN entrepreneurship community who are competent, innovative and progressive;
  • Inculcate entrepreneur culture among participants; and
  • Provide microfinance facility for working capital requirements to assist small Bumiputera entrepreneurs in their existing new start-up business and project implementation.

All

www.tekun.gov.my / 
603 - 9058 8550 / 8999

 Startup

23

Ministry of Rural &  Regional Development (KKLW) 

Bank Kerjasama Rakyat (BKRM) / Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) 

Rural Economy Funding Scheme (SPED)

Provision of financing for rural entrepreneurs in manufacturing, services, agriculture and countryside tourism

All

www.smebank.com.my / 
603 - 2615 2020
www.bankrakyat.com.my / 
1 – 300 – 88 - 12265

 Startup

24

Ministry of Rural and Regional Development (KKLW)

Majlis Amanah Rakyat (MARA)

Penyaluran Pembiayaan Perniagaan

17,500 penerima pembiayaan perniagaan MARA dalam tempoh 2016-2020.   Seramai 3,500 penerima pada tahun 2016

Semua

www.mara.gov.my
603 - 2613 2000

Startup

25

Ministry of Domestic Trade, Co-operative and Consumerism (KPDNKK)

Perbadanan Nasional Berhad (PNS)

PNS Franchise / Pre-Franchise / Franchisor Financing Scheme
PNS Francais / Pra- Francais / Skim Pembiayaan Francaisor

  • Develop and promote Middle-Level Bumiputera Entrepreneurs (MLBE) in franchise businesses through financial assistance for purposes of business expansion and new start-up of franchise companies
  • Assist franchisors through financial assistance

Services

www.pns.com.my
603 - 2082 7788               

 Growth & Expansion

26

Ministry of Domestic Trade, Co-operative and Consumerism (KPDNKK)

Perbadanan Nasional Berhad (PNS)

Business in Transformation (B.I.T) Programme

Contribution to development of entrepreneurs through financing assistance

Services

www.pns.com.my
603 - 2082 7788               

Growth & Expansion

27

Ministry of Plantation Industries and Commodities (MPIC) 

Malaysian Timber Industry Board (MTIB) 

Raw Material Procurement Programme For SME Bumiputera

Provide financing for the procurement of raw materials to Bumiputera entrepreneurs in completing the processing of a finish product for a confirmed work contract. It will also improve trade relations between operators and suppliers of Bumiputera raw materials.

Manufacturing

www.mtib.gov.my / 
603 - 9282 2235

Growth 

28

Ministry of Energy, Green Technology and Water (KeTTHA) 

Malaysian Green Technology Corporation (GreenTech)

Green Technology Financing Scheme (GTFS)

  • Reduce energy consumption;
  • Facilitate the growth of the Green Technology industry and enhance its contribution to the national economy;
  • Increase national capability and capacity for innovation in Green Technology Development and enhance Malaysia's competitiveness in Green Technology in the global arena;
  • Ensure sustainable development and conserve the environment for future generation; and
  • Enhance public education and awareness on Green Technology.

All

www.greentechmalaysia.my / 
603 - 8921 0800

 Growth

29

Ministry of Industrial Development Sarawak (MID SARAWAK) 

Sarawak Economic Development Corporation (SEDC) 

Small and Medium Scale Industry Financing Scheme (SPIKS)

Provide financing support for working capital, renovation of existing business premise and purchase of machinery / business equipment for SMEs in manufacturing, services and ICT sector with 4% interest per annum.

All

www.sedc.com.my / 
6082 – 416 777

 Growth

30

Chief Minister's Department Sarawak (JKM Sarawak)

Unit Pembangunan Usahawan dan Industri Halal (UPUIH)

Program Galakan Usahawan

Increase the number and enhance entrepreneurs capacity

All

www.upub.sarawak.gov.my
6082 - 441 957

Startup

31

Bank Negara Malaysia (BNM) 

Bank Negara Malaysia (BNM) 

Fund for Small and Medium Industries 2 (FSMI2) 

Ensure eligible SMEs received reasonable cost of financing.

All

www.bnm.gov.my / 
603 - 2698 8044

Growth

32

Bank Negara Malaysia (BNM) 

Bank Negara Malaysia (BNM) 

New Entrepreneur Fund 2 (NEF2) 

Promote the growth of Bumiputera SMEs through reasonable cost of financing.

All

www.bnm.gov.my /
 603 - 2698 8044

 Growth

33

Bank Negara Malaysia (BNM) 

Bank Negara Malaysia (BNM) 

Micro Enterprise Fund (MEF) 

Provide micro enterprises continuous access to financing.

All

www.bnm.gov.my / 
603 - 2698 8044

 Startup

34

Credit Guarantee Corporation (CGC) 

Credit Guarantee Corporation (CGC) 

Tabung projek Usahawan Bumiputera - i     

  • Provide financing to small & medium scale Bumiputra enterpreneurs who had been allotted projects/contracts but was unsuccessful to obtain financing from FIs.

All

www.cgc.com.my / 
603 - 7806 2300

 Growth

35

Credit Guarantee Corporation (CGC) 

Credit Guarantee Corporation (CGC) 

 Guarantee Schemes

Enhancer / Enhancer-i / Enhancer Express

  • Provide guarantee scheme to help SMEs secure credit facilities from financial institutions via CGC.

Portfolio Guarantee

  • Collaborate with individual financial institution with pre-agreed criteria and faster turn around time for SME financing.

All

www.cgc.com.my / 
603 - 7806 2300

 Growth

36.

Credit Guarantee Corporation (CGC) 

Credit Guarantee Corporation (CGC) 

Guarantee Scheme for Green Technology Financing Scheme

Assist companies (including SMEs) to obtain financing to support Government’s initiative to promote investments in green technology

All

www.cgc.com.my / 
603 - 7806 2300

 Growth & Expansion

37

Credit Guarantee Corporation (CGC)

Credit Guarantee Corporation (CGC)

BizMula-i

Finance start-up businesses where generally they have difficulties in availing to financing.  Underlying principle is to encourage and nurture budding businessmen with reliable plans, satisfactory business insights and a high entrepreneurship drive.

All

www.cgc.com.my
603 - 7806 2300          

 Startup

38

Credit Guarantee Corporation (CGC)

Credit Guarantee Corporation (CGC)

SME Scheme (Services, Manufacturing & Engineering)

  • Increase the number of Bumiputera entrepreneurs in manufacturing and services sectors (ICT/Engineering etc.)
  • Increase the number of Bumiputera participation in the industrial field

All

www.cgc.com.my
603 - 7806 2300           

Startup

39

Perbadanan Usahawan Nasional Berhad (PUNB) 

Perbadanan Usahawan Nasional Berhad (PUNB) 

PROSPER Pemborong 

  • Develop Bumiputera entrepreneurs in wholesale sectors that provide bulk purchase activities or big-scale retaining; and
  • Provide goods and materials to Bumiputera entrepreneurs at cost that will enhance their competitiveness in retail industry.
  • Acquisition of international brands & strengthening of homegrown brands.

Services 
(Retail & distributives)

www.punb.com.my / 
603 - 2785 1515

 Growth

40

Perbadanan Usahawan Nasional Berhad (PUNB) 

Perbadanan Usahawan Nasional Berhad (PUNB) 

PROSPER Runcit

  • Increase the number of Bumiputera entrepreneurs in the distributive and retail sector; and
  • Inculcate entreprenurial culture among the Bumiputera entrepreneurs by providing skills knowledge and experience.

Services 
(Retail & distributives)

www.punb.com.my / 
603 - 2785 1515

 Growth

41

Perbadanan Usahawan Nasional Berhad (PUNB) 

Perbadanan Usahawan Nasional Berhad (PUNB) 

PROSPER TERAS

  • Lift the standards of Bumiputera retail entrepreneur through standardising brands, product arrangements, selections & integrated system;
  • Give exposure to Bumiputera entrepreneurs on business tactics, application on administration methods and well organised, systematic operations; and
  • Eligible business activities are Automotive, Hardware or Building Materials, Professional Services, Telecommunications and Early Child Care Education (ECCE).

Services 
(Retail &

www.punb.com.my / 
603 - 2785 1515

 Growth

42

Perbadanan Usahawan Nasional Berhad (PUNB) 

Perbadanan Usahawan Nasional Berhad (PUNB) 

PROSPER Usahawan Muda (PUMA)

Assist young Bumiputera to embark on retail and distribution business through structured and systematic development mechanism.

Services 
(Retail & distributives)

www.punb.com.my /
603 - 2785 1515

 Startup

43

Amanah Ikhtiar Malaysia (AIM) 

Amanah Ikhtiar Malaysia (AIM) 

Ikhtiar Financing Scheme

Reduce poverty rate in Malaysia by providing financing to poor households to enable them to undertake viable economic activity to upgrade their household income includes i-Mesra, i-Srikandi and i-Wibawa.

All

www.aim.gov.my / 
603 - 6274 8810

 Startup

44

Prime Minister's Department (JPM)

Unit Peneraju Agenda Bumiputera (TERAJU)

Dana TeraS

Loans without collateral to support the sectors under RMKe-11
Pinjaman tanpa penjamin bagi menyokong sektor-sektor di bawah RMKe-11.

All

www.teraju.gov.my
603 - 7839 8000

Growth & Expansion

45

Prime Minister's Department (JPM)

Unit Peneraju Agenda Bumiputera (TERAJU)

Dana Pembangunan Usahawan Sabah

  • Provide entrepreneurial training for entrepreneurs can be competitive and take their business at a higher level.
  • Assist in the form of facilities and funding ( program incubator / accelerator and business premises )

All

www.teraju.gov.my
603 - 7839 8000

Growth & Expansion

46

Prime Minister's Department (JPM)

Unit Peneraju Agenda Bumiputera (TERAJU)

Dana Pembangunan Usahawan Sarawak

  • Provide entrepreneurial training for entrepreneurs can be competitive and take their business at a higher level
  • Assist in the form of facilities and funding ( program incubator / business premises )

All

www.teraju.gov.my
603 - 7839 8000

Growth & Expansion

47

Prime Minister's Department (JPM)

Unit Peneraju Agenda Bumiputera (TERAJU)

Skim Usahawan Permulaan Bumiputera (SUPERB)

  • Financing New entrepreneurs / " Startup " bumiputera who have innovative business ideas and creative , aged between 18 and 40 years and the company has Bumiputera ownership of at least 60 % . In the form of grants
  • Superb winner capacity building programs through:
    • Coach & Grow Programme
    • Accelerator Early Stage
    • Accelerator Asean Track
    • Accelerator Growth Stage
    • Global Access & Exposure

All

www.teraju.gov.my
603 - 7839 8000

Start Up

CONTACT US

SME Corporation Malaysia,
Level 6, SME 1, Block B 
Platinum Sentral
Jalan Stesen Sentral 2
Kuala Lumpur Sentral
50470 Kuala Lumpur.

General Line: 03-2775 6000
Fax Line: 03-2775 6001
Info Line: 1-300-30-6000
Email: info[at]smecorp[dot]gov[dot]my

Feedback Form

 

AGENCY LINKS

miti icon MIDA matrade edit 1
MPC edit MIDF edit SME Bank edit
hdc edit1 MSI edit Mai edit
malaysiagovicon    

 

 

 

ABOUT
POLICIES

SME in Malaysia

SME Perfomance & Outlook

SME Masterplan

SME Policiess

PROGRAMMES
INITIATIVES
GUIDES

Business Guides

Success Stories

Business Directory

Business Ethics

RESOURCES
CONTACT US