Targeted Relief & Recovery Facility (TRRF)

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Targeted Relief and Recovery Facility (TRRF) is a financing programme designed to provide relief and support recovery for SMEs in the services sector affected by reintroduction of COVID-19 containment measures, except tourism and tourism-related subsectors.


Offered to Malaysian SMEs (at least 51% shares held by Malaysians) in services sector affected by reintroduction of COVID-19 containment measures (except for tourism and tourism-related subsectors), such as:

  • Personal services (e.g. repair of computers/ household goods/ laundry/ hairdressing/ beauty)
  • Food and Beverage service activities
  • Human Health and Social Work activities
  • Arts, Entertainment and Recreation
  • Wholesale and Retail Trade
  • Business services (e.g. Professional, Scientific and Technical Activities; Administrative and Support Service Activities)


Recipients of Special Relief Facility (SRF) and PENJANA SME Financing (PSF) are eligible for the TRRF up to the aggregate limit RM500,000 per SME

TRRF is not applicable to the following categories:

  • Tourism and tourism-related subsectors.
  • Manufacturing and construction sectors.
  • Recipients for PENJANA Tourism Financing (PTF).

Purpose of Financing

Working Capital Requirement (WCR); and/or

Refinancing of up to 30% of total financing approved


  • Legal documentation cost and agency fee to be included into the financing
  • 30% of financing approved can be used to refinance existing business financing (existing business financing excludes financing obtained under BNM’s Fund for SMEs)

Financing Amount

  • Up to RM75,000 per micro enterprise; and
  • Up to RM500,000 per SME.


  • A collective financing limit is applicable for SMEs with common shareholder(s) of equal to or more than 20% shareholding
  • Financing amount is subject to the aggregate group limit not exceeding RM10.0 million for all Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) guarantee schemes, including this financing OR, if customer has been earlier approved for guarantee under Government Guarantee Scheme Prihatin (GGS Prihatin), not exceeding RM20.0 million for all SJPP guarantees schemes, including this financing.
  • Group is defined as companies under the same group by way of shareholding (holding 50% or more), directors (providing guarantees) and guarantors related.

Financing Rate

Up to 3.5% p.a. (inclusive of 0.5% guarantee fees)

Financing Tenure

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

Guarantee Coverage

SME: 80% of the financing amount is guaranteed by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Microenterprise: Optional 90% guarantee cover by Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Availability of Fund

TRRF is made available until 30 June 2022 or upon fully utilised (whichever is earlier)

Frequently Asked Questions (FAQ) / Product Disclosure Sheet

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

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

For enquiries email to:

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