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Bank Negara Malaysia (BNM) — SME Stabilisation Relief Facility (SME SRF)
Soft Loan - Working Capital Relief Facility (Conventional & Islamic)
Collateral-free BNM working-capital relief facility (up to RM750K per SME, conventional or Islamic) for viable Malaysian MSMEs, disbursed through 20 participating banks.
Open & Active — RM5B facility open 15 May–31 Dec 2026. No collateral needed. Apply directly to any of 20 PFIs (Maybank, CIMB, HLB, RHB, Public Bank, OCBC, SME Bank etc. or Islamic equivalents). Max RM750K. Strictly working capital, no refinancing. 7-working-day approval target.
Financial Parameters
- Total pool / mandate
- RM5 billion (BNM Fund for SMEs envelope)
- Ticket size
- Not specified (no minimum) – RM750,000 per SME (related SMEs with common shareholding = separate RM750K limit each, provided they maintain separate workforces)
- Cost of capital
- Up to 3.75% p.a. (inclusive of 0.5% p.a. CGC/SJPP guarantee fee); subsidised below commercial market rate
- Tenure
- Up to 5 years
- Grace period
- Not specified; PFIs target 7 working-day approval from receipt of complete documentation
- Shariah-compliant
- Both
Focus Areas
- Value chain segments
- Advanced Materials & Substrates
- Use of proceeds
- #WorkingCapital #CashFlowRelief — strictly working capital; refinancing of existing credit facilities is explicitly excluded
- Company stage
- Established / Mid-tierGrowth-stage
Eligibility
- Ownership requirement
- At least 51% Malaysian-owned (shareholding/ownership); SME definition per SME Corporation Malaysia Guidelines
Micro, Small and Medium Enterprises (MSMEs) incl. microenterprises; viable businesses with track record (bank statements, audited accounts or management accounts, CCRIS); applicants assessed case-by-case on material impact
Application
- Application cycle
- Open 15 May 2026 – 31 December 2026 (or until full utilisation of RM5B pool). 20 PFIs: Affin, Alliance, AmBank, Bank Islam, Bank Rakyat, Bank Muamalat, Agrobank, BSN, CIMB, EXIM Bank, HLB, HSBC, Maybank, MBSB, OCBC, Public Bank, RHB, SME Bank, Std Chartered, UOB
Background
- Example recipients
- E&E component/substrate suppliers, semiconductor logistics/freight firms, precision parts manufacturers, OEM/ODM SMEs facing margin compression or revenue shocks from Middle East supply chain disruptions
- Notes / source
- Source: SME Stabilisation Relief Facility.pdf (BNM brochure); smesrf-faq-en-15526.pdf (BNM FAQ, 15 May 2026); smesrf-pfi-en-25may26.pdf (PFI list, 25 May 2026). BNM initiative in response to West Asia geopolitical conflict.