The Malaysian government has come out with many financing schemes to help SMEs start or grow their businesses. The efforts of the government to encourage SMEs can be seen from improved and more beneficial financing schemes that have come out year after year. There are many types of government financing scheme offered by various government agencies open for application.


  • CGC DAGS Start Up (All Sector)
  • Cradle Investment Program by Cradel Fund Sdn Bhd (Technology-Oriented)
  • SME Bank Bhd (Manufacturing / Industrial / Service)
  • MIDF (Manufacturing / Service sector)
  • Ministry of Tourism Malaysia
  • MSC Technopreneur Pre-Seed Fund
  • MARA (Bumiputera Entrepreneur)
  • AIM (Agensi Inovasi Malaysia)
  • SME Corp (All Sector)
  • BANK RAKYAT (All Sector)
  • TABUNG HAJI (Lembaga Tabung Haji)
  • NEF (New Entrepreneur Foundation)
  • PNS (Franchise Financing)
  • PUNB (Bumiputera Entrepreneur)
  • MAVCAP (Venture Capital)
  • MDEC (ICT)
  • MTDC (Technology-Based)


  • MSC (Multimedia Development Corporation)
  • MATRADE (Malaysia External Trade Development Corporation)
  • MBC (Malaysian Biotechnology Corporation)
  • Ministry of Tourism Malaysia
  • Shell Malaysia Sustainable Development (SD) Grants scheme
  • CIP (Cradle Investment Program)
  • MTDC (Malaysian Technology Development Corporation)
  • MOSTI (Ministry of Science, Technology and Innovation)
  • MDEC (Multimedia Development Corporation)
  • NEF (New Entrepreneur Foundation)


  • Credit Guarantee Corporation Malaysia Bhd (Cgc)
  • Ministry Of Tourism Malaysia
  • Sme Bank (Bank Perusahaan Kecil Dan Sederhana Malaysia Berhad)
  • Working Capital Guarantee Scheme (Wcgs)
  • Malaysian Industrial Development Finance Bhd (Midf)
  • Green Technology Financing Scheme (Gtfs) – Loan Guarantee
  • Perbadanan Usahawan Nasional Bhd (Punb)
  • Perbadanan Nasional Bhd (Pns)
  • Malaysia Debt Ventures Bhd (Mdv)
  • Bank Pembangunan Malaysia Bhd
  • Sabah Development Bank Bhd
  • Agrobank (Bank Pertanian Malaysia)
  • Bank Rakyat Malaysia Bhd
  • Export-Import Bank Of Malaysia Bhd (Exim Bank)
  • Bank Simpanan Nasional

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