{"id":70425,"date":"2026-05-25T16:06:39","date_gmt":"2026-05-25T08:06:39","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=70425"},"modified":"2026-05-25T16:06:39","modified_gmt":"2026-05-25T08:06:39","slug":"bsn-msme-srf-working-capital-financing","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/bsn-msme-srf-working-capital-financing","title":{"rendered":"BSN Now Offers Up to RM100,000 Working Capital Financing for Micro Entrepreneurs Under MSME SRF"},"content":{"rendered":"

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 <\/span>Bank Negara Malaysia’s (BNM) RM5 billion relief package<\/span><\/a> introduced to help small businesses navigate ongoing global economic uncertainties.<\/span><\/p>\n

The facility comes with a profit rate as low as 3.75% per annum and a financing tenure of up to five years.<\/span><\/p>\n

<\/span>What Is the MSME SRF?<\/b><\/span><\/h2>\n

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.<\/span><\/p>\n

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.<\/span><\/p>\n

<\/span>How Much Can Micro Entrepreneurs Borrow Under BSN’s MSME SRF?<\/b><\/span><\/h2>\n

BSN’s offering under the MSME SRF allows micro entrepreneurs to borrow <\/span>up to RM100,000 in working capital financing, at a profit rate as low as <\/span>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.<\/span><\/p>\n

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.<\/span><\/p>\n

<\/span>Who Is Eligible to Apply?<\/b><\/span><\/h2>\n

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:<\/span><\/p>\n