TOP 10: Compresses / Director Personal Loan (Individual) – SME Loan
🎯 Up to RM800K for Directors & GLC Staff
Tailored for directors or senior staff requiring personal funding for business or strategic use.
✅ Loan up to RM800,000
✅ Open to directors, GLC employees
📌 Source: MIDF
TOP 9: Micro Entrepreneur Development Fund – SME Loan
🎯 RM50K–RM300K for Micro SMEs
Ideal for micro enterprises seeking affordable capital for business growth.
✅ Funding between RM50K to RM300K
✅ Interest rate: 2%–6.5%
📌 Source: MIDF
TOP 8: Penjana Tourism Financing
🎯 RM500K for Travel & Tourism Sector
Targeted financing for businesses in tourism licensed under MOTAC.
✅ Up to RM500,000
✅ Fixed interest: 8.85%
📌 Source: BSN Penjana Tourism Fund
TOP 7: BNM Agrofood Facility (AF)
🎯 RM10 Million for Agro / Farm / Food Manufacturing
For agro-based businesses involved in farming, food, or agri-tech.
✅ Up to RM10M
✅ Interest rate: 3.5%
✅ Based on 40% of revenue
📌 Source: BNM Agrofood
TOP 6: BNM – High Tech & Green Facility (HTG)
🎯 RM10 Million for Green or Government-Endorsed Projects
Supports ESG or innovation-driven sectors.
✅ Up to RM10M
✅ Interest: 2.12%
📌 Source: BNM HTG Facility
TOP 5: BNM – Low Carbon Transition Facility (LCTF)
🎯 Go Green with RM10 Million Loan
Helps SMEs adopt low-carbon technologies and practices.
✅ Loan up to RM10M
✅ Interest rate: up to 5%
✅ Up to 10-year term
📌 Source: BNM LCTF
TOP 4: BNM – Automation & Digitalisation Facility (ADF)
🎯 RM10 Million for Smart Automation
Great for SMEs investing in automation, AI or tech upgrades.
✅ Up to RM10M
✅ Based on 40% revenue
📌 Source: BNM ADF
TOP 3: BNM – All Economic Sectors Facility (AES)
🎯 Up to RM10M for General SME Financing
Broadest fund available for businesses from any sector.
✅ Max RM10M
✅ Loan tied to 40% revenue
📌 Source: BNM AES
TOP 2: SJPP Government Guaranteed Startup Fund
🎯 RM500K for Startups (<3 Years)
Perfect for new businesses with limited track record.
✅ Up to RM500K
✅ Based on 40% of revenue
📌 Source: SJPP Fund
TOP 1: BNM – Green/ESG/Tech Financing Combo
🎯 Best Loans for Future-Focused SMEs
If you’re in ESG, tech or agriculture, BNM has multiple financing tools: LCTF, HTG, ADF, and AF.
✅ Coverage from RM500K to RM10M
✅ Sector-specific and ESG-aligned
📌 Source: BNM SME Fund Hub
💡 Ready to Scale Your Business with SME Financing?
Malaysia’s SME loan facilities in 2025 offer powerful opportunities for businesses across sectors. Whether you’re digitising your operations, investing in automation, adopting ESG practices, or simply expanding your retail space, there is likely a funding program tailored to your needs. From micro-financing of RM50,000 to full-scale capital injections of up to RM10 million, these government-backed and bank-supported options are designed to fuel growth, boost innovation, and drive sustainability for local enterprises.
However, choosing the right loan program and navigating the application process can be overwhelming. Terms and conditions vary by fund, paperwork requirements can be extensive, and small mistakes may delay or even derail approval. That’s where OPERiON comes in as your trusted financing support partner.
With years of experience working alongside SMEs, startups, and corporate clients, we’ve helped countless businesses turn opportunity into action.
But navigating the options can be complex. That’s where OPERiON comes in.
✅ We help SMEs match the right loan to their business type.
✅ We assist with paperwork, quotations, and documentation.
✅ We provide guidance from application to approval.
Whether you’re applying for your very first SME loan or looking to switch to a better facility, we make the entire process smoother, faster, and more strategic.
📞 Let’s get started — Contact us today and take the first step toward smarter financing.
💬 Chat with us on WhatsApp: 010-2760878
🌐 Or visit: www.www.operion.com.my
Let us help you turn funding into real, measurable growth and unlock the full potential of your business in 2025 and beyond.
