Automation Capital Allowance (Automation CA)
MIDA
Amount varies
A 200% capital allowance on automation and Industry 4.0 equipment for manufacturing and services companies, which reduces taxable income.
🇲🇾 Business grants and funding in Malaysia
BNM Fund for SMEs: High Tech and Green Facility (HTG)
Bank Negara Malaysia (via participating financial institutions)
Up to MYR 10,000,000
Low-rate financing of up to RM10 million for SMEs in high-tech manufacturing, ICT/R&D and green, digital or biotech solution providers, including commercially ready start-ups.
BNM Fund for SMEs: Low Carbon Transition Facility (LCTF)
Bank Negara Malaysia (via participating financial institutions)
Up to MYR 10,000,000
Financing of up to RM10 million for SMEs in any sector to invest in or fund working capital for low-carbon and sustainable operations.
BNM Fund for SMEs: Micro Enterprises Facility (MEF)
Bank Negara Malaysia (via participating financial institutions)
Up to MYR 50,000
Collateral-free micro-financing of up to RM50,000 for micro businesses and self-employed people, including gig workers.
BSN Micro MADANI Belia
Bank Simpanan Nasional (BSN)
Up to MYR 100,000
Micro-financing for young entrepreneurs aged 30 and below to fund working capital, equipment and renovation.
BSN Micro/i MADANI
Bank Simpanan Nasional (BSN)
Up to MYR 100,000
Government-backed micro financing from BSN for small Malaysian-owned businesses and self-employed professionals, for working capital, assets or renovation.
BSN Micro/i MADANI Mula Niaga
Bank Simpanan Nasional (BSN)
Up to MYR 20,000
Small BSN loans for new entrepreneurs who have recently formalised their business, to cover working capital, assets or renovation.
CIP Spark
Cradle Fund (Ministry of Science, Technology and Innovation)
Up to MYR 150,000
Conditional pre-seed grant of up to RM150,000 for tech start-ups and teams to build a functional prototype or MVP.
CIP Sprint
Cradle Fund (Ministry of Science, Technology and Innovation)
Up to MYR 600,000
Conditional commercialisation grant of up to RM600,000 for young tech companies to take a product to market.
Geran Digital PMKS MADANI (MSME Digital Grant MADANI)
Bank Simpanan Nasional (BSN), with MDEC and MCMC
Up to MYR 5,000
Matching grant covering half the cost of up to three digital services (e.g. e-POS, digital marketing, ERP/accounting, cybersecurity, HR/CRM) bought from MDEC-listed service providers.
Government Guarantee Scheme MADANI 2026 (GGSM4)
Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
Up to MYR 20,000,000
Government guarantee of up to 80% on new bank financing for MSMEs (and up to 70% for mid-tier companies), helping businesses without enough collateral borrow for working capital or capital expenditure.
Green Technology Financing Scheme 5.0 (GTFS 5.0)
Malaysian Green Technology and Climate Change Corporation (MGTC), with CGC
Amount varies
Government guarantee of 60-80% on bank financing for green technology projects in energy, manufacturing, transport, building, waste and water.
HRD Corp Training Grants (Levy Grant System)
HRD Corp (Ministry of Human Resources)
Amount varies
Registered employers pay a monthly training levy and can claim it back as grants to train staff, take on trainees or set up training facilities.
Indian Community Entrepreneur Development Scheme (SPUMI)
TEKUN Nasional
Up to MYR 100,000
Micro and small business financing of RM1,000 to RM100,000 for Indian Malaysian entrepreneurs.
Market Development Grant (MDG)
Malaysia External Trade Development Corporation (MATRADE)
Up to MYR 300,000
Reimbursable grant that helps Malaysian SMEs, professional service providers, associations and co-operatives pay for export promotion such as international trade fairs, trade missions, overseas retail listing fees and international export certification.
MySMELady 2.0
SME Bank Malaysia
Up to MYR 3,000,000
Financing of RM100,000 to RM3 million for women-led SMEs to buy assets or fund working capital.
PENJANA Tourism Financing (PTF)
Bank Negara Malaysia and SJPP (via participating financial institutions)
Up to MYR 500,000
Guaranteed low-rate financing for tourism SMEs such as hotels, tour operators and tourist transport, to fund expansion and operations.
PUNB PROSPER Business Financing
Perbadanan Usahawan Nasional Berhad (PUNB)
Up to MYR 20,000,000
Syariah-compliant financing for Bumiputera businesses in retail, manufacturing, services and other sectors, from growth loans to contract financing.
Relief and Adaptation Facility (RAFt), adaptation financing
Bank Negara Malaysia (Fund for SMEs)
Up to MYR 1,000,000
Low-rate loans for SMEs in flood-prone areas, or previously flooded, to invest in flood protection and resilience. A separate relief part opens after major floods.
SME Stabilisation Relief Facility (SME SRF)
Bank Negara Malaysia, guaranteed by CGC or SJPP
Up to MYR 750,000
RM5 billion working-capital facility for viable SMEs, including micro businesses, hit by trade and supply-chain disruption from the Middle East / West Asia conflict.
SME Technology Transformation Fund (STTF)
SME Bank Malaysia
Up to MYR 3,000,000
Subsidised financing of RM100,000 to RM3 million for MSMEs to buy machinery, IT systems, software and other technology that raises productivity.
Tabung Khas Pelancongan 2026 (TKP 2026, Special Tourism Fund)
SME Bank Malaysia
Up to MYR 20,000,000
Financing of RM50,000 to RM20 million for MOTAC-registered tourism SMEs to buy assets or fund working capital.
TEKUN Niaga Financing Scheme
TEKUN Nasional
Up to MYR 100,000
Shariah-compliant micro and small business financing for Bumiputera entrepreneurs, from RM1,000 up to RM100,000, for running or growing a business.
Working Capital Guarantee Scheme (WCGS)
Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
Up to MYR 10,000,000
A long-running government guarantee on bank loans for working capital and capital expenditure. There are variants for start-ups, Bumiputera, women-owned, exporters, and automation/digital projects.