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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.

Read more details here.

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