• Bank Negara Malaysia Funded Loans


As part of the continuous effort to ensure availability of adequate funds at reasonable costs to small and medium enterprises (SMEs), Bank Negara Malaysia (BNM) has established the Fund for Small and Medium Industries 2 (FSMI2) and the New Entrepreneurs Fund 2 (NEF2). The FSMI2 was established on 15 April 2000, while the NEF2 was established on 15 July 2001.

Current eligibility criteria of the FSMI2 and NEF2 are as follows:

  1. The shareholders' funds of the SMEs should not exceed RM2 million;
  2. Shareholdings by public listed companies or Government-linked companies in the SMEs should not exceed 20%; and
  3. SMEs should have a track record not exceeding seven years.

Participating financial institutions may, however, consider cases of SMEs who have been in operation for more than seven years.

Lending rates, ranging from 4% to 6% per annum, will be charged for the funds, reflecting the risk profile of the SME. FSMI2 and NEF2 are eligible for CGC guarantee where the guarantee fee is borne by the Bank.

Ensures that eligible SMEs in both the export and domestic-oriented sectors have access to financing at a reasonable cost.



Promotes the growth of small and medium-sized Bumiputera enterprises, by ensuring that they have access to financing at a reasonable cost.

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