Pembiayaan kerajaan oleh Bank Negara Malaysia (via participating banks): sehingga RM10,000,000. Dana BNM untuk PKS (melalui bank peserta).Government financing by Bank Negara Malaysia (via participating banks): up to RM10,000,000. BNM-backed SME funds via participating banks.
Fakta disahkanVerified facts
| JenisType | Pembiayaan kerajaanGovernment financing |
|---|---|
| PenyediaProvider | Bank Negara Malaysia (via participating banks) |
| JumlahAmount | sehinggaup to RM10,000,000 · sumbersource · Disemak: 2026-09Checked: 2026-09 |
Nota: Note: Umbrella of sub-funds with different per-SME caps (bnm.gov.my/funds4sme): Automation & Digitalisation up to RM3m; Agrofood / High Tech & Green / Business Recapitalisation up to RM5m; Low Carbon Transition up to RM10m. The RM10m cap is the max-of-maxes across sub-funds and the floor isn't published — the specific sub-fund + cap depend on your purpose; applied through participating banks.
Mungkin sesuai jika…May fit if…
Ini syarat untuk anda semak sendiri — skim ini biasanya untuk perniagaan yang memenuhi perkara di bawah. Ia BUKAN kelulusan; keputusan milik penyedia.These are conditions for you to self-check — this scheme is usually for businesses that meet the points below. It is NOT an approval; the decision is the provider's.
- perniagaan anda didaftarkan di Malaysia (SSM/ROB/ROC)your business is registered in Malaysia (SSM/ROB/ROC)
- keperluan anda ialah salah satu daripada: modal kerja, kembangkan bisnes, pendigitalan, hijau / ESGyour need is one of: working capital, growing the business, digitalisation, green / ESG
- bisnes anda pada peringkat sedang berkembang / matang / mantapyour business is at the growth-stage / mature stage
Untuk apa ia boleh digunakanWhat it can be used for
- modal kerjaworking capital
- kembangkan bisnesgrowing the business
- pendigitalandigitalisation
- hijau / ESGgreen / ESG
Dokumen yang biasanya dimintaDocuments usually asked for
Senarai lazim — syarat tepat berbeza ikut penyedia. Sahkan di laman rasmi.A typical list — exact requirements vary by provider. Confirm on the official page.
- SSM registration
- 6 months bank statements
- owner IC
- latest financials
Cara memohonHow to apply
- Semak syarat di atas dan sediakan dokumen anda.Check the conditions above and prepare your documents.
- Pergi ke laman rasmi Bank Negara Malaysia (via participating banks) dan baca terma semasa (had, kadar, tempoh berubah).Go to the official site of Bank Negara Malaysia (via participating banks) and read the current terms (limits, rate, tenure change).
- Hantar permohonan BNM Fund for SMEs TERUS kepada Bank Negara Malaysia (via participating banks) — BijakDana tidak memproses permohonan.Submit your BNM Fund for SMEs application DIRECTLY to Bank Negara Malaysia (via participating banks) — BijakDana does not process applications.
BijakDana bukan Bank Negara Malaysia (via participating banks) dan tidak memproses permohonan. Kami tunjukkan skim yang mungkin sesuai; keputusan kelulusan milik penyedia.BijakDana is not Bank Negara Malaysia (via participating banks) and does not process applications. We show schemes that may fit; the approval decision is the provider's.
SumberSources
Data disemak: 2026-09.Data checked: 2026-09.
Soalan lazimFAQ
Apa itu BNM Fund for SMEs?
Pembiayaan kerajaan oleh Bank Negara Malaysia (via participating banks): sehingga RM10,000,000. Dana BNM untuk PKS (melalui bank peserta). Umbrella of sub-funds with different per-SME caps (bnm.gov.my/funds4sme): Automation & Digitalisation up to RM3m; Agrofood / High Tech & Green / Business Recapitalisation up to RM5m; Low Carbon Transition up to RM10m. The RM10m cap is the max-of-maxes across sub-funds and the floor isn't published — the specific sub-fund + cap depend on your purpose; applied through participating banks.
Berapa banyak boleh saya dapat daripada BNM Fund for SMEs?
Had yang kami sahkan ialah sehingga RM10,000,000 (sumber: https://www.bnm.gov.my/funds4sme). Ini had satu skim, bukan jumlah semua skim — sahkan terma semasa dengan Bank Negara Malaysia (via participating banks).
Adakah BijakDana beritahu saya layak untuk BNM Fund for SMEs?
Tidak. Kami hanya tunjukkan syarat yang biasanya diminta supaya anda boleh semak sendiri. Keputusan kelulusan milik penyedia.
Adakah BijakDana broker pembiayaan?
Tidak. BijakDana bukan Bank Negara Malaysia (via participating banks) dan tidak memproses permohonan. Anda memohon terus kepada penyedia.