Rebecca PY Bank Negara Malaysia has introduced a RM5 billion financing facility to support SMEs affected by disruptions from the West Asia conflict. The initiative offers low-cost funding and guarantees to help businesses manage cash flow and sustain operations.
MALAYSIA, 28 APRIL 2026 – Bank Negara Malaysia has announced the SME Stabilisation Relief Facility (SME SRF), a RM5 billion financing initiative aimed at supporting small and medium enterprises (SMEs), including microenterprises, impacted by the ongoing West Asia conflict.
The facility is designed to assist businesses facing operational disruptions, cash flow constraints and challenges in meeting short-term financial obligations. The initiative follows an announcement by Anwar Ibrahim during a roundtable discussion with financial institution leaders on April 21, 2026.
Under the SME SRF, eligible businesses can access financing of up to RM750,000 with a tenure of up to five years, at a maximum rate of 3.75% per annum, inclusive of guarantee fees. To improve access, financing will be supported by guarantees of up to 80% from Credit Guarantee Corporation Malaysia and Syarikat Jaminan Pembiayaan Perniagaan, particularly benefiting SMEs with limited collateral.
Applications for the facility will open from May 15, 2026, and remain available until December 31, 2026, or until the allocation is fully utilised. SMEs can apply through participating financial institutions, including commercial banks, Islamic banks and development financial institutions regulated by BNM.
In light of current economic uncertainties, BNM is urging businesses to engage early with their financial institutions if they anticipate or are experiencing financial difficulties. Early engagement enables tailored support measures such as repayment flexibility, restructuring of financing facilities and other assistance to ensure business continuity.
Beyond financing, SMEs are encouraged to seek advisory and financial management support from Agensi Kaunseling dan Pengurusan Kredit. Available programmes include the Debt Management Programme (DMP) for individuals and sole proprietors, as well as the Small Debt Resolution Scheme (SDRS) tailored for SMEs.
The SME SRF underscores Malaysia’s proactive approach in safeguarding its SME sector, ensuring businesses remain resilient amid external economic challenges.