PENJANA Tourism Financing (PTF)

Guaranteed low-rate financing for tourism SMEs such as hotels, tour operators and tourist transport, to fund expansion and operations.

Run by

Bank Negara Malaysia and SJPP (via participating financial institutions)

Funding

Up to MYR 500,000

Up to RM500,000 for SMEs, RM75,000 for micro enterprises; up to 3.5% p.a. incl. guarantee fee; guarantee up to 80% (SMEs) / 90% (micro); tenure up to 7 years with at least 6-month moratorium

Who can apply

• At least 51% held and controlled by Malaysian citizens
• Meets SME definition or licensed by/registered with MOTAC
• Core tourism (accommodation, travel agencies/tour operators, tourist transport) or tourism-related businesses
• Not a recipient of the Special Relief Facility or PENJANA SME Financing
• Cannot be used to refinance

How to apply

Apply at a participating bank or development financial institution.

Timing

Until full utilisation of the RM1 billion scheme limit

Last checked

2026-10-11

Official page ↗