Ikut bisnesBy business

Pembiayaan untuk pelancongan / hospitalitiFinancing for tourism / hospitality

Laluan pembiayaan yang biasanya sesuai untuk pelancongan / hospitaliti, dan skim sebenar yang mungkin sesuai — dengan sebabnya. Mungkin sesuai, bukan jaminan kelulusan.The financing routes that usually fit tourism / hospitality, and the real schemes that may fit — with the reasons. May fit, never a promise of approval.

Cari skim untuk bisnes sayaFind schemes for my business Nilai bisnes iniValue this business
Gambaran pembiayaan untuk sektor iniThis sector's funding at a glance

18 daripada skim terpilih kami padan dengan bisnes pelancongan / hospitaliti (2 menyasarkan sektor ini secara khusus, 16 terbuka umum).18 of our curated schemes match tourism / hospitality businesses (2 aimed specifically at this sector, 16 open generally). Kebanyakannya datang dalam bentuk pembiayaan dan ekuiti.Most arrive as financing and equity.

Had tertinggi yang kami sahkan untuk sektor ini: RM20,000,000 (SME Bank (via MOTAC)) — had satu skim, bukan jumlah semua skim.The highest verified limit we show for this sector: RM20,000,000 (SME Bank (via MOTAC)) — one scheme's limit, not a sum of schemes.

Jenis bisnes dalam sektor iniTypes of business in this sector

Sektor ini merangkumi beberapa jenis bisnes berbeza. Pembiaya kerap minta pendaftaran/lesen mengikut jenis — kami senaraikannya (dengan sumber) supaya anda tahu apa perlu disediakan.This sector covers a few distinct business types. Financiers often ask for a type-specific registration/licence — we list them (with the source) so you know what to prepare.

  • Hotel / homestay / penginapanHotel / homestay / lodging — Premis penginapan pelancong perlu didaftar/dilesen di bawah Akta Industri Pelancongan 1992 (Akta 482).Tourist accommodation premises must be registered/licensed under the Tourism Industry Act 1992 (Act 482). · sumbersource
  • Agensi pelancongan / pengendali turTravel agency / tour operator — Pengendali tur & agensi pengembaraan perlu lesen Pesuruhjaya Pelancongan (MOTAC) di bawah Akta Industri Pelancongan 1992 (Akta 482).Tour operators & travel agencies need a Commissioner of Tourism (MOTAC) licence under the Tourism Industry Act 1992 (Act 482). · sumbersource
  • F&B / kafe pelanconganTourism F&B / cafe
Laluan yang biasanya sesuaiRoutes that usually fit

Skim yang menyasarkan bisnes iniSchemes aimed at this business

Tabung Khas Pelancongan (TKP) SME Bank (via MOTAC)

Dana khas pelancongan SME Bank untuk projek pelancongan berdaftar MOTAC (ekuiti Bumiputera min. 60%)SME Bank special tourism fund for MOTAC-registered tourism projects (min. 60% Bumiputera equity)

RM20,000,000 Had disahkanVerified limit had dinyatakan penyedia — sumberprovider-stated limit — source
Laman rasmi →Official site → Butiran skim →Scheme details →
PENJANA Tourism Financing (PTF) Bank Negara Malaysia (via participating financial institutions)

Pembiayaan BNM untuk PKS & mikro sektor pelancongan teras (penginapan, agensi pelancongan, pengangkutan pelancong)BNM financing for SMEs & micro-enterprises in core tourism (accommodation, travel/tour operators, tourist transport)

— Sahkan had dengan penyediaConfirm limit with provider
Laman rasmi →Official site → Butiran skim →Scheme details →

Skim umum yang terbuka untuk bisnes iniGeneral schemes open to this business

Terbuka kepada pelbagai bisnes (termasuk anda) — bukan khusus untuk sektor ini, jadi sama merentas kebanyakan sektor. Kelayakan masih ditentukan penyedia. Butiran penuh setiap skim ada di laman jenis pembiayaannya.Open to a range of businesses (including yours) — not specific to this sector, so they are the same across most sectors. The provider still decides eligibility. Full detail for each scheme is on its financing-type page.

  • Funding Societies Financing (Funding Societies Malaysia) — had disahkan RM20,000,000 · sumberverified limit RM20,000,000 · source
  • MARA Business Financing (MARA) — had disahkan RM500,000 · sumberverified limit RM500,000 · source
  • PUNB Enterprise Funding (Perbadanan Usahawan Nasional Berhad) — had disahkan RM1,000,000 · sumberverified limit RM1,000,000 · source
  • MIDF SME Financing (Malaysian Industrial Development Finance) — had disahkan RM20,000,000 · sumberverified limit RM20,000,000 · source
  • TEKUN Nasional (TEKUN Nasional) — had disahkan RM300,000 · sumberverified limit RM300,000 · source
  • CGC Loan Guarantee (Credit Guarantee Corporation) — had disahkan RM10,000,000 · sumberverified limit RM10,000,000 · source
  • SME Bank Financing (SME Bank Malaysia)
  • BSN MikroKredit (Bank Simpanan Nasional) — had disahkan RM50,000 · sumberverified limit RM50,000 · source
  • Bank Rakyat SME Financing (Bank Rakyat)
  • Bank Islam SME Financing (Bank Islam Malaysia) — had disahkan RM1,000,000 · sumberverified limit RM1,000,000 · source
  • SME Corp Business Accelerator Programme (BAP) (SME Corp Malaysia) — had disahkan RM400,000 · sumberverified limit RM400,000 · source
  • Equity Crowdfunding (ECF) (SC-registered ECF platforms)
  • pitchIN (Pitch Platforms Sdn Bhd (SC-registered ECF))
  • Leet Capital (Leet Capital Sdn Bhd (SC-registered ECF))
  • SME Digitalisation Grant (MDEC / participating banks) — had disahkan RM5,000 · sumberverified limit RM5,000 · source
  • BNM Fund for SMEs (Bank Negara Malaysia (via participating banks)) — had disahkan RM10,000,000 · sumberverified limit RM10,000,000 · source

Skim yang TIDAK terbuka untuk bisnes iniSchemes NOT open to this business

Skim ini menyatakan sekatan sektor yang tidak termasuk bisnes anda — jadi ia bukan untuk anda. Kami tunjukkannya (dengan sumber) supaya anda tak buang masa memohon.These schemes document a sector restriction that excludes your business — so they're not for you. We show them (with the source) so you don't waste time applying.

  • Cradle Fund (CIP) (Cradle Fund) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MDEC Programmes (Malaysia Digital Economy Corporation) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MTDC Commercialisation Funding (Malaysian Technology Development Corp) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MAVCAP (Malaysia Venture Capital Management) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • Penjana Kapital / Dana Penjana Nasional (Penjana Kapital) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • MBAN Angel Network (Malaysian Business Angel Network) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • Cradle Seed Ventures (Cradle Seed Ventures Sdn Bhd) — terhad kepada sektor quaternaryrestricted to quaternary sectors · sumbersource
  • AgroFood Facility (Agrobank) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • BERNAS Financing Programme (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Kredit Mikro (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource
  • AGRO Pembiayaan Padi (Agrobank (Bank Pertanian Malaysia Berhad)) — terhad kepada sektor primaryrestricted to primary sectors · sumbersource

Sebelum mohon: lesen & pendaftaranBefore you apply: licences & registration

Fakta rasmi untuk bantu anda bersedia — bukan nasihat. Pembiaya lazimnya minta pendaftaran/lesen sektor ini.Official facts to help you prepare — not advice. Financiers usually ask for this sector's registration/licence.

  • Pengusaha pelancongan (pengendali pelancongan & agensi pengembaraan) perlu lesen daripada Pesuruhjaya Pelancongan (MOTAC) di bawah Akta Industri Pelancongan 1992 (Akta 482) sebelum beroperasi — pembiaya biasanya minta lesen ini.Tourism enterprises (tour operators & travel agencies) need a licence from the Commissioner of Tourism (MOTAC) under the Tourism Industry Act 1992 (Act 482) before operating — financiers usually ask for this licence. · sumbersource
Nilai bisnes anda duluValue your business first

Nilai pelancongan / hospitaliti →Value tourism / hospitality → · Cara nilai dikiraHow value is calculated

Soalan lazimFAQ

Jenis pembiayaan apa yang biasanya sesuai untuk pelancongan / hospitaliti?

Pembiayaan invois, Geran padanan, Pembiayaan dagangan, Kemudahan modal kerja, Pembiayaan berjamin.

Adakah BijakDana beritahu saya layak?

Tidak. Kami hanya kata sesuatu skim mungkin sesuai. Kelayakan ditentukan oleh penyedia.

Adakah BijakDana broker pembiayaan?

Tidak. BijakDana bukan pemberi pinjaman dan tidak menjadi broker pembiayaan. Anda memohon terus kepada penyedia.

Data disemak: 2026-09.Data checked: 2026-09.