Master Builders Association Malaysia  (MBAM) would like to share the available funds from BNM to members for your consideration.

The objective of these funds is to provide access to financing at reasonable cost for SMEs in all economic sectors. Some funds have been enhanced to provide  relief for,  and to support the recovery of SMEs. The funds are channelled through participating  financial institutions (PFIs), comprising all licensed banks, prescribed development financial institutions and the Credit Guarantee Corporation Malaysia Berhad (CGC). Applications must be submitted through any PFIs and approval will be subjected to the normal credit assessment of  the  PFI.  Following   the Budget 2022  announcement, the Bank is committed to further increase the allocation under the BNM’s Fund for SMEs by RM4.5 billion, bringing the total available funds as at mid- September 2021 to RM11.2 billion.

Some of the funds include:-

  1. Hi-Tech and Green Facility Fund

The RM800 million Facility is designed to help SMEs  and innovative start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech and biotech) for a sustainable and entrenched economic recovery. Financing rate of up to 3.5% per annum is offered for financing without guarantee or up to 5% per   annum inclusive of guarantee fee (with guarantee coverage by Credit Guarantee Corporation Malaysia Berhad (CGC) or Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP). The Facility is available now until 31 December 2023.

  1. SME Automation and Digitalisation Facility

The RM1 billion Facility is aimed at incentivising SMEs to automate processes and digitalise operations to improve productivity and efficiency. The financing rate is up to 4% per annum, inclusive of guarantee fee. Guarantee coverage is provided by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP). The Facility will be available until full utilisation.

  1. Business Recapitalisation Facility (BRF)

Under this Facility, RM1 billion is allocated to support SMEs to grow, without increasing  their indebtedness during the recovery phase. Participating financial institutions, particularly the Development Financial Institutions, may either offer:

(a) financing in the form of equity, or;

(b) debt financing combined with equity in partnership with third-party equity financiers (blended finance).

The RM1 billion Facility is available from 3 February 2022 until full utilisation.

  1. Low Carbon Transition Facility (LCTF)

A RM1 billion Facility established on a matching basis with participating financial institutions to help SMEs embrace sustainable and low carbon practices in their business operations. This includes to increase usage of sustainable raw materials and renewable energy, and to also improve energy efficiency of buildings or machinery. This Facility  is in line  with the Government’s target for Malaysia to be a net-zero emission economy by 2050.

The RM1 billion Facility is available from 3 February 2022 until full utilisation.


For further information please visit:


Download MBAM Circular click here

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