BNM All Economic Sector (AES) is a financing scheme established by BNM to enhance access to financing for SMEs in all economic sectors, to support growth The financing facility is calculated based on a fixed rate basis and guaranteed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP).

Purchasing an industrial equipment or machinery? Ease your cashflow by amortising your equipment’s purchase price over a period of up to 5 years.

The DRF aims to alleviate the financial burden of SMEs affected by floods and enable them to resume their business operations.

Offers flexible financing on working capital and capital expenditure

Your business needs working capital for the day-to-day cashflow. Overdraft/Cashline-i facility provides the most convenient and flexible form of financing.

Support SMEs in the tourism sectors by preserving capacity and assisting SMEs to undertake the necessary investments to adjust and remain viable post COVID-19 pandemic.

The Facility offers affordable financing rates to help elevate agrofood production based on the following criteria.

The LCTF scheme aims to encourage and support SMEs to transition to low carbon operations by adopting sustainability practices for business resilience.

A commercial property loan/financing that offers long-term financing for the purchase of completed or under-construction commercial and industrial properties. 

A flexible working capital loan/financing to help you better manage your daily financial needs.