BNM Funded for SMEs – All Economic Sectors

Financing is for :


  1. Working capital;
  2. Capital expenditure (e.g. purchase of machinery and equipment or renovation cost for owner-occupied business premises);
  3. Both (1) and (2)


  • Financing up to a maximum of RM5 million

  • Maximum Financing Tenure

    5 years from the date of first disbursement from BNM

  • Variable maximum rates between 6% per annum - 8% per annum, based on the risk profile matrix of the SMEs

BNM Fund for SMEs – All Economic Sectors


SMEs including Bumiputra enterprises that fulfill the following criteria:

  • Registered with the Companies Commission of Malaysia (SSM), authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers;

  • Maximum shareholders’ funds not exceeding RM5 million;

  •               Shareholding by Public Listed

                  Companies and Government

                  Linked Companies (if any) in the

                  SMEs shall not exceed 20%

  • Malaysians residing in Malaysia holding a minimum of 51% shareholding in the SMEs.


  • Company write-up.

  • Certified true copy of Form 24, 44 & 49 and Memorandum & Articles of Association/Constitution or a written confirmation duly signed by a director confirming that the Company does not have a Constitution

  • Certified true copy of 3 years' Audited Accounts (not more than 18 months old from the application date) and latest Management / Draft Accounts (not more than 12 months old from the application date).

  • Top 3 suppliers and buyers.

  • Latest debtors and creditors ageing reports.

  • Existing bankers and banking facilities

  • Latest 6 months’ current account statements with all banks.

  • Projected Profit & Loss Accounts & Cash Flow Projection for 2 years.

  • Information on net worth such as reported income, Fixed Deposit/Term Deposit receipts, Borang BE etc.

  • Information on directors / shareholders / partners / prime mover's net worth.

  • Lists of completed projects, projects in-hand (inclusive of project tenure and % of completion) and projects tendered (if applicable

  • Photocopy of property title / Valuation Report / Sale & Purchase Agreement.

  • Duly completed application form / Letter of Application.

  • Any other documents required by the Bank.





Low Interest / Profit Rate


* Terms and conditions apply.