BNM All Economic Sectors (AES) Facility 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).

Note: The financing shall not be used for the following actitivies:
• Purchase of shares;
• Refinancing of existing credit / financing facilities;
• Purchase of land / real estate investment;
• Property development;
• Investment by investment holding companies;
• Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses);
• Gambling, alcohol, tobacco or other similar activities / products; and
• Non-shariah compliant activities (applies to Islamic financing only)

• Working capital; or/and
• Capital expenditures (e.g., purchase of machinery and equipment or renovation cost for owner-occupied business premises)

i. 70% guarantee cover from SJPP
ii. It is compulsory for Partners and/or Directors of the company to be the guarantor.