Malaysia Government came out with many financing schemes that meant to help the SMEs to start or grow their businesses. The followings are listing of some of the financing schemes that are available to startups:

MINISTRYIMPLEMENTER / AGENCYPROGRAMMEOBJECTIVE / ACTIVITYSECTORWEBSITE / GENERAL LINE
Ministry of International Trade & Industry (MITI) Malaysian Industrial Development Finance Berhad (MIDF)Soft Loan Schemes for Service Sector (SLSSS)Provide financing assistance for:

New start-up companies/enterprises - creation of new services entrepreneurs; and

Expansion / upgrading / modernization / diversification for existing services providers into higher value-added activities and improving productivity and efficiency in service delivery.
Serviceswww.midf.com.my /
603 - 2173 8888
Ministry of International Trade & Industry (MITI) Malaysian Industrial Development Finance Berhad (MIDF)Soft Loan for SMEs (SLSME)Provide assistance to existing and new start-up companies in project, fixed assets and working capital financing;

Assist SMEs which are operating in unlicensed premises to relocate their operations to legal industrial sites or premises; and

Assist SMEs to improve their competitiveness, efficiency and productivity through the adoption of ICT in business management and operations.
Manufacturing & Serviceswww.midf.com.my /
603 - 2173 8888
Ministry of International Trade & Industry (MITI) Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Tabung Usahawan Siswazah (TUS) Provide more opportunity for the graduate to venture into entrepreneurshipAllwww.smebank.com.my /
603 - 2615 2020
Ministry of International Trade & Industry (MITI) Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Young Entrerpreneur FundAssist young entrepreneurs involved in business activities that have been of interest to the young generation; and

Open to all youth of 18-30 years of age at the point of application.
Serviceswww.smebank.com.my /
603 - 2615 2020
Ministry of International Trade & Industry (MITI) Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Tabung Pembangunan Pengangkutan Awam (TPPA)Improve transportation at rural areas (school bus, mini bus & stage buses, taxis).Allwww.smebank.com.my /
603 - 2615 2020
Ministry of International Trade & Industry (MITI) SME Corporation Malaysia (SME Corp. Malaysia) Bumiputera Enterprise Enhancement Programme (BEEP)Develop potential Bumiputera SMEs in all states. The programme provides selected Bumiputera SMEs with comprehensive assistance package, comprising of financial assistance and advisory services.All www.smecorp.gov.my /
603 - 2775 6000
Ministry of International Trade & Industry (MITI) SME Corporation Malaysia (SME Corp. Malaysia) SME Emergency Fund (SMEEF)The SMEEF was established to assist small and medium enterprises (SMEs) which had their business adversely affected by natural disasters. This Fund provides soft loan financing for purchases of machinery and equipment, refurbishment of premises and working capital requirements such as purchases of raw materials and consumables.Allwww.smecorp.gov.my /
603 - 2775 6000
Ministry of Finance (MoF) Malaysian Technology Development Corporation (MTDC) Business Start-Up Fund (BSF)Encourage and facilitate the growth of technology entrepreneurs and new start-up companies.All www.mtdc.com.my /
603 - 2172 6000
Ministry of Finance (MoF) Cradle Fund Sdn Bhd (Cradle)Angel Tax IncentiveDesigned to help technology based start-ups in Malaysia to raise funding by offering tax incentive to angel investors who have invested in these companies.All www.cradle.com.my /
603 - 2166 4730
Ministry of Agriculture and Agro-based Industry (MOA) TEKUN Nasional (TEKUN) TEKUN FinancingProvide funds to SMEs for expansions;

Provide entrepreneurship information and business opportunities to TEKUN participants;

Provide advisory and support to TEKUN participants;

Develop TEKUN entrepreneurship community who are competent, innovative and progressive;

Inculcate entrepreneur culture among participants; and

Provide microfinance facility for working capital requirements to assist small Bumiputera entrepreneurs in their existing new start-up business and project implementation.
Allwww.tekun.gov.my /
603 - 9058 8550 / 8999
Ministry of Agriculture and Agro-based Industry (MOA) Lembaga Pertubuhan Peladang (LPP) Tabung Pembangunan Usahaniaga Peladang (TPUP)To improve farmer's net income to more than RM4,000 per month; and

Creating new agro-preneurs capable to undertake production agriculture, processing and large-scale service and quality products.
Agriculture www.lpp.gov.my /
603 - 2610 8600
Ministry of Agriculture and Agro-based Industry (MOA) Bank Pertanian Malaysia Berhad (Agro Bank) Paddy - I Provide financial assistance to Malaysian paddy growers.Agriculturewww.agrobank.com.my /
603 - 2731 1600
Ministry of Agriculture and Agro-based Industry (MOA) Bank Pertanian Malaysia Berhad (Agro Bank) Skim Kredit Pengeluaran MakananProvide financial assistance to Malaysian entrepreneurs.Agriculture www.agrobank.com.my /
603 - 2731 1600
Ministry of Agriculture and Agro-based Industry (MOA) Bank Pertanian Malaysia Berhad (Agro Bank) Perusahaan Kecil dan Sederhana (IKS/PKS)Provide financial assistance to Malaysian entrepreneurs.Agriculture www.agrobank.com.my /
603 - 2731 1600
Ministry of Rural & Regional Development (KKLW) Bank Kerjasama Rakyat (BKRM) / Bank Perusahaan Kecil dan Sederhana Malaysia Berhad (SME Bank) Rural Economy Funding Scheme (SPED)Provision of financing for rural entrepreneurs in manufacturing, services, agriculture and countrside tourismAll www.smebank.com.my /
603 - 2615 2020
www.bankrakyat.com.my /
1 300 88 12265
Ministry of Rural & Regional Development (KKLW) Majlis Amanah Rakyat (MARA) Skim Pembiayaan Mudah Jaya (SPiM)Provision financing facilities to Bumiputera entreprenuers All www.mara.gov.my /
603 - 2613 2000
Amanah Ikhtiar Malaysia (AIM) Amanah Ikhtiar Malaysia (AIM) Ikhtiar Financing SchemeReduce poverty rate in Malaysia by providing financing to poor households to enable them to undertake viable economic activity to upgrade their household income includes i-Mesra, i-Srikandi and i-Wibawa.All www.aim.gov.my /
603 - 6274 8810
Bank Negara Malaysia (BNM) Bank Negara Malaysia (BNM) Micro Enterprise Fund (MEF) Provide micro enterprises continuous access to financing.Allwww.bnm.gov.my /
603 - 2698 8044
Perbadanan Usahawan Nasional Berhad (PUNB) Perbadanan Usahawan Nasional Berhad (PUNB) SME Scheme (Services , manufacturing & engineering)Increase the number of Bumiputera entrepreneurs in manufacturing and services sectors (ICT/Engineering etc.)

Increase the number of Bumiputera participation in the industrial field.
Manufacturing & Serviceswww.punb.com.my /
603 - 2785 1515
Perbadanan Usahawan Nasional Berhad (PUNB) Perbadanan Usahawan Nasional Berhad (PUNB) PROSPER Usahawan Muda (PUMA)Assist young Bumiputera to embark on retail and distribution business through structured and systematic development mechanism.Services
(Retail & distributives)
www.punb.com.my /
603 - 2785 1515