Relief and Adaptation Facility (RAFt), adaptation financing

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.

Run by

Bank Negara Malaysia (Fund for SMEs)

Funding

Up to MYR 1,000,000

Up to RM1m for each financing type, for up to 7 years. The brochure lists rates of up to 3% to 3.5% p.a.; confirm with the bank. Up to 80% guaranteed by CGC/SJPP at a 0.5% fee.

Who can apply

• Malaysian SME with at least 51% Malaysian ownership
• Previously affected by floods (including flash floods), or located in a flood-prone area
• For capital investment and expenses that reduce flood risk and losses

How to apply

Apply at a participating bank or development financial institution under Bank Negara Malaysia's Fund for SMEs.

Timing

Until 30 June 2027 or until fully used

Last checked

2026-10-11

Official page ↗