Targeted Relief & Recovery Facility (TRRF)

Targeted Relief and Recovery Facility (TRRF) is to aid the recovery and continuity of eligible SMEs in services sector affected by reintroduction of COVID-19 containment measure since June 2020.


SME (at least 51% shares held by Malaysians) in targeted vulnerable sectors would be eligible for the fund, such as the personal services, food and beverage services, human health and social work, arts, entertainment and recreation subsectors. The Facility also supports recovery subsectors such as wholesale and retail trade as well as business services subsectors.

Purpose of Financing

  • Working capital only
  • *Note: TRRF is not applicable to tourism and tourism-related subsectors, manufacturing and construction sectors, and recipients of Special Relief Facility (SRF), PENJANA SME Financing (PSF) and/or PENJANA Tourism Financing (PTF).

Financing Amount

  • For Micro Enterprises: Up to RM75,000 per microenterprise
  • For SMEs: Up to RM500,000 per SME
  • *Note: The above is applicable for SMEs with common shareholder(s) of > 20% shareholding

Financing Rate

Up to 3.5% p.a. (inclusive of guarantee fees)

Financing Tenure

Up to 7 years, including a 6 months moratorium on monthly instalments.

Guarantee Coverage

The facility will be guaranteed by Syarikat Jaminan Pembiayaan Perniagaan (SJPP) as below:

  • For Micro Enterprise : 90% at 0.5% p.a. Guarantee fee
  • For SME: 80% at 0.5% p.a. Guarantee fee

Availability of Fund

TRRF is made available from 1 December 2020 until 31 December 2021 or upon fully utilised (whichever is earlier)

Frequently Asked Questions (FAQ) / Product Disclosure Sheet

Click here for Frequently Asked Questions (FAQ)

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

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

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