SME Stabilisation Relief Facility (SME SRF) 3.75%

SME Stabilisation Relief Facility (SME SRF)

Empowering Malaysian SMEs Towards Sustainable Growth

The SME Stabilisation Relief Facility (SME SRF) is a RM5 billion financing initiative by Bank Negara Malaysia (BNM) designed to support Micro, Small and Medium Enterprises (MSMEs) affected by geopolitical uncertainties, rising business costs, and supply chain disruptions.

This government-supported financing facility provides affordable working capital funding to help businesses strengthen cash flow, maintain operations, and pursue sustainable growth opportunities.

Key Features

✅ Financing up to RM750,000

✅ Competitive financing rate from 3.75% p.a.

✅ Financing tenure of up to 5 years

✅ Up to 80% guarantee coverage through SJPP or CGC (where applicable)

✅ Suitable for working capital and operational funding requirements

Eligible Industries

The facility is available to eligible Malaysian SMEs operating in selected sectors, including:

• Agriculture, Forestry & Fisheries
• Construction
• Manufacturing
• Transportation & Logistics
• Retail Petrol Stations

All applications are subject to the participating financial institution’s credit assessment and approval criteria.

Purpose of Financing

SME SRF is designed to help businesses:

• Improve working capital liquidity
• Manage short-term cash flow requirements
• Support operational expenses
• Enhance business resilience during economic challenges
• Facilitate long-term business growth

Why Choose Pam Biz Financial?

At Pam Biz Financial, we assist SMEs throughout the entire financing process — from eligibility assessment and documentation preparation to bank submission and follow-up.

Our experienced consultants work closely with business owners to identify suitable financing solutions and improve the likelihood of a successful application.