BSN Now Offers Up to RM100,000 Working Capital Financing for Micro Entrepreneurs Under MSME SRF

Bank Simpanan Nasional (BSN) is offering micro entrepreneurs working capital financing of up to RM100,000 under the MSME Stabilisation Relief Facility (SRF), part of Bank Negara Malaysia’s (BNM) RM5 billion relief package introduced to help small businesses navigate ongoing global economic uncertainties.

The facility comes with a profit rate as low as 3.75% per annum and a financing tenure of up to five years.

What Is the MSME SRF?

The MSME Stabilisation Relief Facility (MSME SRF) is a targeted working capital financing scheme channelled through participating financial institutions, including BSN. Introduced by Bank Negara Malaysia, the broader SME SRF is a RM5 billion facility designed to help micro, small and medium enterprises affected by economic disruption, including rising operating costs and supply chain pressures stemming from the ongoing West Asia conflict.

Applications are open from 15 May until 31 December 2026, or until the RM5 billion allocation is fully utilised. Businesses should act early, once funds run out, the facility closes regardless of the deadline.

How Much Can Micro Entrepreneurs Borrow Under BSN’s MSME SRF?

BSN’s offering under the MSME SRF allows micro entrepreneurs to borrow up to RM100,000 in working capital financing, at a profit rate as low as 3.75% per annum, with repayment of up to five years. The facility is specifically designed to help micro businesses sustain and grow their operations during this challenging period.

This is separate from the broader MSME SRF ceiling, eligible MSMEs applying through other financial institutions can access financing of up to RM750,000, making BSN’s RM100,000 cap specifically calibrated for the micro entrepreneur segment.

Who Is Eligible to Apply?

While BSN has not published a full eligibility checklist for the MSME SRF at the time of writing, general SRF eligibility requirements across participating banks include:

• Registered with the Companies Commission of Malaysia (SSM) or relevant local authority
• Minimum 51% Malaysian shareholding, with shareholding by public listed companies or GLCs not exceeding 20%
• Financing to be used for working capital only — not for refinancing existing facilities
• Business must be financially viable but facing cash flow stress due to current economic conditions

Interested applicants can visit the nearest BSN branch or check www.bsn.com.my for the latest details.

What Other BSN Financing Products Are Available for Micro Entrepreneurs?

Beyond the MSME SRF, BSN continues to offer existing micro financing products at competitive profit rates. These include:

BSN Micro/i MADANI – a micro financing scheme catering to hawkers (static and non-static), youths, women, and gig workers. Applicants need a business that has been in operation for at least three months, registered with SSM or a local authority, along with supporting documents such as bank statements and a valid business registration certificate.

MADANI Sinar – a financing facility for micro entrepreneurs, including persons with disabilities, as part of the government’s broader push for inclusive economic participation.

These schemes sit within the MADANI government’s broader commitment to provide over RM5 billion in microfinancing in 2026, expected to benefit more than 400,000 micro entrepreneurs nationwide, targeting groups including small traders, night market hawkers, women, youths, gig workers, and TVET graduates.

How Do I Apply for BSN’s MSME SRF?

You can apply by visiting any BSN branch or its Business Financing Centre. More details are available at www.bsn.com.my.

If you want to explore and compare other SME and business loan options in Malaysia before committing, iMoney’s comparison tools can help you find the right fit; and our free pre-screening tool lets you check your eligibility upfront, so you apply with confidence.