SME Stabilisation & Relief Facility (SME SRF)

A financing program introduced as part of Bank Negara Malaysia’s efforts to provide short-term financial relief and alleviate cash flow constraints faced by SMEs, amid economic shocks.

Eligibility

  • Existing-to-Bank Customers only – Financing & Non-Financing
  • Private Limited Companies (Sdn. Bhd.)
  • Partnership / Limited Liability Partnership (LLP)
  • Sole-Proprietorship
  • Professional Service Providers
  • Must fall within SME definition.
  • Viable SME materially affected (i.e. resulting in financial stress) by trade and supply chain disruptions from geopolitical conflict in West Asia (beginning March 2026).
  • The following customers are not eligible:
    • Customers classified as Watchlist (WL) Medium and High.
    • Impaired customers.

Note: The SME SRF shall not be used to bolster relatively unaffected businesses, prolong existing financial weaknesses, nor address general business slowdowns unrelated to the conflict.

Purpose of Financing

Working Capital Requirements (WCR) only.


Note: This financing should not be used to bolster relatively unaffected businesses, prolong existing financial weaknesses, not address general business slowdowns unrelated to the conflict.
 

Financing Amount

  • SME Businesses:
    • Max: RM750,000
  • Micro Enterprises:
    • Max: RM50,000
       

Financing Rate

Up to 3.75% p.a. (includes 0.50% p.a. guarantee fee)

Financing Tenure

Up to five (5) years.

Note:
i. No moratorium is provided under this financing
ii. A grace period is permitted as this facility is strictly for working capital

Guarantee Coverage

  • Up to 80% guarantee coverage from either Syarikat Jaminan Pembiayaan Perniagaan (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC).

Security / Collateral

Sdn. Bhd.:

  • Joint and Several Guarantee (JSG) by the following individuals:
    • Directors of the company
    • Shareholders holding more than thirty percent (30%) of the share capital.
    • Key man / person regardless of the shareholding and directorship
  • Corporate Guarantor holding more than fifty percent (50%) of the share capital of the customer

Partnership / Limited Liability Partnership:

  • Guarantee of each Partner for the entire facility amount.

Fees & Charges

No.

Fee Type

Charges
1. Stamp Duty Actual Cost – As per Stamp Duty Act 1949 (Revised 1989):

  1. Principal Agreement – Ad Valorem of 0.5% of financing amount
  2. Secondary / Supplementary Agreement – Nominal of RM10 of each document
2. Legal Fees Actual Cost
3. Processing Fee Waived
4. Tawarruq Agency Fee RM50 (RM25 of each ABPA and ABSA)

Note: Tawarruq Agency fee costs RM50.00 for every Tawarruq transaction.
5. Late Payment Charges Late payment charges (LPC) are as per BNM’s latest Guidelines on Late Payment Charges for Islamic Banking Institutions as well as Bank Islam Ta’widh clause.
6. Guarantee Fee As per SJPP or CGC imposed fees and charges
7. Cancellation Fee Based on actual cost (if any) for the preparation and registration of security documents that has been incurred by the Bank in connection with the facility including all expenses incurred during the claim process.

Availability of Fund

Open to applications from 15th May 2026 until 31st December 2026, or until full utilisation, whichever earlier.
 

Product Disclosure Sheet:
  • Click here to view Product Disclosure Sheet – English Version
  • Click here to view Product Disclosure Sheet – Bahasa Malaysia Version

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