Funding available now.
Three facilities I am arranging for business owners this year. The rates below are a starting point; the final figure depends on your profile, and I will tell you straight on a short call.
Rates current as of August 2026
SME Stabilisation Relief Facility
SME SRFA Bank Negara Malaysia facility offering low-cost working capital to SMEs hit by the West Asia trade and supply chain disruption. The allocation is limited and released first come, first served, so timing matters.
Available from 15 May to 31 December 2026, or until the fund is fully utilised, whichever comes first.
- Financing of up to RM750,000
- Rate of up to 3.75% per year, inclusive of the 0.5% guarantee fee
- Tenure of up to 5 years
- Up to 80% government guarantee (CGC or SJPP), which helps even without collateral
- For working capital, not refinancing
For viable, majority Malaysian-owned SMEs materially affected by the trade and supply chain disruption from the West Asia conflict.
Bank Negara Malaysia · SME SRFClean Term Loan
无抵押定期贷款No collateral or fixed deposit needed.
- Financing of up to RM1.5 million
- Tenure of up to 3 years
- From 5.0% flat per year, depending on your scoring
1 to 3 Term Loan
一比三定期贷款A fixed deposit unlocks up to 3x financing.
- Financing of up to RM2 million
- Tenure of up to 4 years
- From 6.0% flat per year
- For example, a RM300k fixed deposit supports a RM1 million loan
Revolving Credit (Invoice Financing)
循环信贷 · 发票融资Flexible working capital for your sales and purchases.
- Up to RM1.5 million, with a 60 day term for each drawdown
- Finance your sales or purchases
- From 1.5% per month, charged only when you use it
- 1% commitment fee per year on the amount you do not use
Do you qualify?
There are a handful of requirements, and they depend on your business. Rather than list them all here, let’s have a quick chat, and I’ll tell you straight away what your business can get. No preparation needed, just a short call.
Rates shown are flat rates per annum, calculated on the original principal. On a reducing balance the effective cost is higher: for example, 6.0% flat over 3 years is about 11% effective per annum. The exact figure depends on your tenure. Final rate and tenure depend on your business profile and credit assessment.