SME – PENJANA Tourism Financing (PTF)

Apply Now  

Purpose of Financing

    Viable to Malaysian SMEs in the core tourism and tourism-related sectors, as defined by Ministry of Tourism, Arts & Culture (MOTAC).

  • Working Capital requirements
  • Capital Expenditure (CAPEX)

Key Features

  • Financing amount up to RM300,000
  • 80% guarantee by government via SJPP
  • Term financing only
  • *Note: The common limit will apply for SMEs’ associate companies (companies with common shareholding of more than 20%)


  • Private Limited Company, Partnership, Sole Proprietor and must fall within SME definition
  • Malaysia owned with at least 51% shareholding
  • For Sdn Bhd: Joint and several guarantee (JSG) of Directors and shareholders holding at least thirty percent (30%) of the customer sharing capital
  • For Partnership and Sole Proprietor: Letter of Indemnity/ Undertaking whichever is applicable

Financing Rate

Fixed Rate 3.50% p.a. CRR (inclusive of guarantee fee)*

Financing Tenure

Up to 7 years (inclusive minimum 6 months moratorium)

Guarantee Fee

The guarantee fee starting from 0.5% per annum

Other Criteria

Special Relief Facility’s (SRF) and/or PENJANA SME Financing’s (PSF) recipients are not eligible for the Penjana Tourism Financing (PTF).

Frequently Asked Questions (FAQ) / Product Disclosure Sheet / E-poster

Click here for Frequently Asked Questions (FAQ)

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

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

Click here for E-poster (BM Version)

Click here for E-poster (ENG Version)

Apply Now