All Economic Sectors (AES) Facility

This facility is to enhance access to financing for SMEs and to support growth.

Purpose of financing	Capital expenditures Working Capital (Not for refinancing of existing financing facilities)
Eligibility criteria	Malaysian SMEs** that fulfil the following criteria: Registered with the Companies Commission of Malaysia (SSM), or authorities/district offices in Sabah and Sarawak, statutory bodies for professional service providers. Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%. Malaysians residing in Malaysia that hold a minimum of 51% shareholding in the business.
Maximum Financing Amount	RM5 million
Financing Rate	Up to 7% p.a. (inclusive of any guarantee fee)*
Maximum Tenure	Up to 5 years
Participating Financial Institutions (PFIs)	Commercial banks Islamic banks Development financial institutions regulated by BNM
Application procedure	Submit application directly to PFIs and approval will be subjected to the credit assessment of the PFIs.