SME Automation and Digitalisation Facility (ADF)

Incentivise SMEs to automate processes and digitalise operations to increase productivity and efficiency.


Malaysian SMEs that fulfil the following criteria:

  • As defined by SME Corp Malaysia and business in operation for at least 2 years
  • Registered with the Companies Commission of Malaysia (SSM), or authorities/district offices in Sabah and Sarawak, statutory bodies for professional service providers.
  • Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%.
  • Malaysians residing in Malaysia that hold a minimum of 51% shareholding in the business.

Purpose of Financing

  • Purchase of equipment, machinery, computer hardware and software, IT solutions and services, technology support services and other intangible assets to enhance productivity and efficiency.

Note: Financing should not be used for refinancing of existing credit / financing facilities

Financing Amount

  • Up to RM3 million per SME, including financing to any related companies of the SME with common shareholder(s)
  • The maximum aggregate financing amount of RM5 million per SME under the BNM’s Fund for SMEs does not apply to the ADF

Financing Rate

Up to 4.00% p.a. (inclusive of 0.5% guarantee fees)

Financing Tenure

Up to 10 years

Guarantee Coverage

80% guarantee cover at 0.5% p.a. guarantee fee by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Availability of Fund

Until 31 December 2021 or upon full utilisation (whichever is earlier)

Product Disclosure Sheet:

Click here for Product Disclosure Sheet (ADF) – ENG Version

Click here for Product Disclosure Sheet (ADF) – BM Version

Click here for Frequently Asked Questions (FAQ)

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