All Economic Sector Facility (AES)

The BNM All Economic Sector (AES) Facility is a financing initiative introduced by Bank Negara Malaysia (BNM) to improve SMEs’ access to financing across various economic sectors. With a substantial allocation of RM6.5 billion, this scheme is aimed at facilitating growth for small and medium enterprises by providing affordable financing options. The BNM AES Facility caters to both working capital and capital expenditure needs, offering a comprehensive solution to support the development and sustainability of businesses.
WhatsApp Now!
Apply Now!

Maximum Financing Amount

RM5 million

Financing Rate

Up to 7.00% p.a.

Maximum Tenure

Up to 5 years

Key Features

• Capital expenditures
• Working Capital
(Not for refinancing of existing financing facilities)

Malaysian SMEs* that fulfil the following criteria:
• Registered with the Companies Commission of Malaysia (SSM), or authorities/district offices in Sabah and Sarawak, statutory bodies for professional service providers.
• Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%.
• Malaysians residing in Malaysia that hold a minimum of 51% shareholding in the business.

• Commercial banks
• Islamic banks
• Development financial institutions regulated by BNM

Ready to propel your business forward?

Take the first step toward growth and success. Apply now for the All Economic Sectors (AES) Facility and unlock the financing your SME needs to thrive in all economic sectors.

Apply for All Economic Sector Facility (AES)

    SMEPlus+: Bridging aspirations and opportunities, connecting businesses with expert advisory for SME loans through a seamless platform.
    SME Business Loans
    Micro Financing
    Contact Us
    © 2024 SMEPlus+. All Rights Reserved. Digital Marketing & Website Design by Alphako Digital.
    Facebook-f