Bank Negara Malaysia RM5 Billion SME Stabilisation Relief Facility
Summary
Bank Negara Malaysia has announced the SME Stabilisation Relief Facility (SME SRF), a RM5 billion financing program to support Malaysian small and medium enterprises affected by the ongoing West Asia conflict. Eligible SMEs may access financing up to RM750,000 for up to five years at a maximum rate of 3.75% per annum, with guarantee support of up to 80% from Credit Guarantee Corporation Malaysia (CGC) or Syarikat Jaminan Pembiayaan Perniagaan (SJPP). Applications open from 15 May 2026 until 31 December 2026 or until full utilisation, through participating commercial banks, Islamic banks, and development financial institutions regulated by BNM.
“Bank Negara Malaysia (BNM) announces today the SME Stabilisation Relief Facility (SME SRF), a RM5 billion financing facility to assist small and medium enterprises (SMEs), including microenterprises, affected by the ongoing West Asia conflict.”
Financial institutions participating in the SME SRF programme should ensure internal credit policies and underwriting procedures align with the facility's specified parameters: maximum financing of RM750,000, tenure up to five years, and maximum all-in rate of 3.75% per annum, before the 15 May 2026 application opening date.
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What changed
Bank Negara Malaysia has established a new RM5 billion SME Stabilisation Relief Facility to provide working capital support to Malaysian SMEs experiencing disruptions from the West Asia conflict. The facility offers financing of up to RM750,000 per SME at a maximum rate of 3.75% per annum for up to five years, backed by government guarantees of up to 80% through CGC or SJPP.
Affected SMEs should engage with participating financial institutions (commercial banks, Islamic banks, development financial institutions) to assess eligibility and submit applications before the 31 December 2026 deadline. Businesses anticipating financial difficulties are encouraged to proactively contact their financial institutions or BNM directly to explore available solutions including repayment flexibility and restructuring options.
Archived snapshot
Apr 28, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Bank Negara Malaysia Introduces RM5 billion SME Stabilisation Relief Facility to Support Businesses Affected by the West Asia Conflict
Embargo : For immediate release
28 Apr 2026
Bank Negara Malaysia (BNM) announces today the SME Stabilisation Relief Facility (SME SRF), a RM5 billion financing facility to assist small and medium enterprises (SMEs), including microenterprises, affected by the ongoing West Asia conflict. BNM recognises SMEs in certain segments may be experiencing disruptions to operations, cash flow challenges, and difficulties in meeting short-term financial obligations.
As announced by YAB Prime Minister at the roundtable discussion with CEOs of financial institutions on 21 April 2026, the SME SRF will provide timely working capital support to help viable businesses sustain operations and navigate this period of uncertainty. Eligible SMEs may obtain financing of up to RM750,000 for a tenure of up to five years, at a maximum financing rate of 3.75% per annum (inclusive of guarantee fee). The financing will be supported by guarantees of up to 80% from Credit Guarantee Corporation Malaysia (CGC) or Syarikat Jaminan Pembiayaan Perniagaan (SJPP), particularly for SMEs without sufficient collateral.
Applications for the SME SRF will be open from 15 May 2026 until 31 December 2026, or until full utilisation. SMEs may apply directly through participating financial institutions, including commercial banks, Islamic banks and development financial institutions regulated by BNM.
In the current environment, BNM strongly encourages businesses that anticipate or are already experiencing financial difficulties to engage early with their financial institutions. Proactive action enables banks to work with borrowers to identify suitable solutions, including repayment flexibility, restructuring of financing facilities, or other tailored support measures to help businesses remain viable. Financial institutions stand ready to assist and are committed to working constructively with affected SMEs during this period.
In addition, SMEs may seek financial advisory, financial education support, and holistic debt repayment assistance from Agensi Kaunseling dan Pengurusan Kredit (AKPK) through programmes such as:
- Debt Management Programme (DMP) for individuals and sole proprietors
- Small Debt Resolution Scheme (SDRS) for SMEs For clarification or assistance, SMEs may contact their financial institutions directly or reach out to BNM via bnm.gov.my/LINK.
Bank Negara Malaysia
28 April 2026
© Bank Negara Malaysia, 2026. All rights reserved.
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