Bank Negara Malaysia launches RM5bn SME stabilisation facility
Participating financial institutions must route affected SMEs through the RM5bn facility
BNM
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Change
On 2026-04-28, Bank Negara Malaysia launched a RM5 billion SME Stabilisation Relief Facility for SMEs affected by the West Asia conflict.
Why it matters
The facility creates a defined working-capital route for viable SMEs facing disruption, cash-flow pressure or short-term repayment difficulty. Eligible SMEs can seek up to RM750,000 for up to five years at a maximum financing rate of 3.75% per annum, with guarantees of up to 80%.
Implications
- — Participating financial institutions must process eligible SME SRF applications through BNM-regulated channels — applications run from 15 May 2026 until 31 December 2026 or full utilisation.
- — Affected SMEs must apply directly through participating commercial banks, Islamic banks or development financial institutions — the facility is capped at RM750,000 per SME with tenure of up to five years.
- — Banks handling affected SME borrowers must identify suitable support measures, including repayment flexibility or restructuring — BNM directed businesses facing financial difficulty to engage early with their financial institutions.
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