USAHAWAN MALAYSIA
Dana atau sokongan mana sesuai dengan keperluan perniagaan anda?
Tapis program pembiayaan, geran, latihan, eksport dan digital daripada sumber rasmi. Kelayakan akhir tetap ditentukan oleh agensi.
PROGRAM SEMASA18 program disemak
Senarai asas disemak pada 2026-10-02. Had pembiayaan, kadar, status dan syarat kelayakan boleh berubah, sebab itu setiap program dipautkan semula kepada sumber rasmi.
9agensi / institusi
18program dipaparkan
11petunjuk hasil agensi
DANA & SOKONGAN · MALAYSIA
Program yang tersedia sebelum anda memohon
PulseKita hanya menapis maklumat program yang diterbitkan. Kelayakan, kelulusan, penilaian kredit dan syarat khusus tetap ditentukan oleh agensi.
CARA MEMBACANYA
Kelayakan mesti disahkan dengan agensi rasmi. Had pembiayaan, kadar, status dan tempoh permohonan boleh berubah.
CARI PROGRAMTapis mengikut tahap perniagaan, keperluan, sektor dan jumlah dana.
PROGRAM SEMASA18 program daripada sumber rasmi yang disemak.
01 · TERAJUPembiayaan
Bumiputera Expansion and Catalyst Fund (BECF)
Strategic financing for scaling and expanding Bumiputera enterprises, with priority for HGHV sectors.
SOKONGAN DITERBITKANUp to RM10 million per company
KADARUp to BFR + 2.0% p.a.
TEMPOHUp to 8 years
SEMAK SEBELUM MEMOHON
Bumiputera enterprise and financing-partner criteria apply.
02 · SME BankPembiayaan
Dana Kelestarian Alam
Financing for MSMEs moving towards lower-carbon and more sustainable operations.
SOKONGAN DITERBITKANUp to RM5 million
KADARUp to 6%
TEMPOHUp to 7 years
SEMAK SEBELUM MEMOHON
Sustainability-purpose and SME Bank credit criteria apply.
03 · SME Corp. MalaysiaPembiayaan
Kesediaan PKS untuk Penyenaraian (PKS@BURSA)
Financing support for SMEs preparing to scale towards capital-market listing readiness.
SOKONGAN DITERBITKANUp to RM5 million; rebate up to 20% for compliant payers
KADAR5%
TEMPOHUp to 5 years
SEMAK SEBELUM MEMOHON
Open to SMEs nationwide.
04 · SME BankPembiayaan
SME Technology Transformation Fund
Financing for MSMEs implementing technology transformation and/or Industry4WRD adoption.
SOKONGAN DITERBITKANUp to RM3 million
KADARUp to 6%
TEMPOHUp to 10 years
SEMAK SEBELUM MEMOHON
Technology-transformation and SME Bank credit criteria apply.
05 · SME BankPembiayaan
HalalBiz Financing Programme
Financing for MSMEs participating in the halal ecosystem.
SOKONGAN DITERBITKANUp to RM1 million
KADARUp to 6%
TEMPOHUp to 7 years
SEMAK SEBELUM MEMOHON
Halal-ecosystem and SME Bank financing criteria apply.
06 · SME Corp. MalaysiaPembiayaan
PKSLestari
Financing for SMEs supplying PLCs, MNCs, GLCs or large firms, with priority for high-impact and exporting businesses.
SOKONGAN DITERBITKANUp to RM1 million; rebate up to 30% for compliant payers
KADAR3.5%
TEMPOHUp to 5 years
SEMAK SEBELUM MEMOHON
Supplier relationship and programme criteria apply.
07 · SME Corp. MalaysiaPembiayaan
Program Peningkatan Industri Strategik dan Industri PKS Berprestasi Tinggi
Financing for SMEs nationwide, with priority for High Growth High Value and strategic sectors.
SOKONGAN DITERBITKANUp to RM1 million; rebate up to 30% for compliant payers
KADAR3%
TEMPOHUp to 5 years
SEMAK SEBELUM MEMOHON
Open to SMEs nationwide; sector priority applies.
08 · Cradle FundGeran
CIP SPRINT
Technology-commercialisation funding for companies covering product enhancement, market access and expansion.
SOKONGAN DITERBITKANConditional commercialisation grant up to RM600,000
KADAR—
TEMPOHMaximum 18 months
SEMAK SEBELUM MEMOHON
Open to eligible companies; technology commercialisation conditions apply.
09 · MIDAGeran padanan
Domestic Investment Accelerator Fund (DIAF) – ESG Adoption
Matching grant for Malaysian-owned SMEs and Mid-Tier Companies adopting ESG practices in manufacturing and selected services.
SOKONGAN DITERBITKAN50:50 matching grant; maximum reimbursable RM500,000
KADAR—
TEMPOHMengikut program
SEMAK SEBELUM MEMOHON
Malaysian-owned SME/MTC, sector and ESG-project requirements apply.
10 · SME BankPembiayaan
Skim Pembiayaan Perusahaan Sosial
Financing for social enterprises registered with KUSKOP.
SOKONGAN DITERBITKANUp to RM500,000
KADARUp to 4%
TEMPOHUp to 7 years
SEMAK SEBELUM MEMOHON
Requires relevant social-enterprise registration/accreditation.
11 · MATRADEGeran tuntutan semula
Market Development Grant (MDG)
Reimbursable grant supporting eligible Malaysian exporters in international promotion and market-development activities.
SOKONGAN DITERBITKANLifetime limit RM300,000, subject to government fund availability
KADAR—
TEMPOHMengikut program
SEMAK SEBELUM MEMOHON
Eligible SMEs, professional service providers, associations, chambers, professional bodies and co-operatives; MATRADE conditions apply.
12 · Cradle FundGeran
CIP SPARK
Early-stage technology funding for ideation, prototype development, product enhancement and pre-commercialisation.
SOKONGAN DITERBITKANConditional grant up to RM150,000
KADAR—
TEMPOHMaximum 18 months
SEMAK SEBELUM MEMOHON
Open to eligible individuals and companies; technology-startup programme conditions apply.
13 · SME Corp. MalaysiaPembiayaan
Tunas Usahawan Belia Bumiputera (TUBE-S)
Financing support for eligible Bumiputera youth entrepreneurs.
SOKONGAN DITERBITKANUp to RM100,000
KADAR2%
TEMPOHUp to 2 years
SEMAK SEBELUM MEMOHON
Specific Bumiputera youth eligibility applies; PulseKita does not infer eligibility.
14 · TEKUN NasionalPembiayaan
Skim Pembiayaan TVET
TUNAS supports TVET graduates starting a business; MEKAR supports TVET entrepreneurs expanding an existing business.
SOKONGAN DITERBITKANUp to RM100,000
KADAR4%
TEMPOHUp to 10 years
SEMAK SEBELUM MEMOHON
TVET-graduate or TVET-entrepreneur programme conditions apply.
15 · TEKUN NasionalPembiayaan
TEKUN Niaga
General business financing across sectors for eligible Bumiputera entrepreneurs.
SOKONGAN DITERBITKANUp to RM100,000
KADAR4%
TEMPOHUp to 10 years
SEMAK SEBELUM MEMOHON
Bumiputera eligibility and TEKUN programme criteria apply.
16 · TEKUN NasionalPembiayaan
Skim Pembiayaan Online TEKUN
Financing for entrepreneurs operating online businesses.
SOKONGAN DITERBITKANUp to RM20,000
KADAR3%
TEMPOHUp to 5 years
SEMAK SEBELUM MEMOHON
Online-business and TEKUN eligibility requirements apply.
17 · INSKENLatihan / bimbingan
INSKEN Training & Coaching Programmes
Entrepreneurship capacity-building through basic entrepreneurship, industry, product/service development, coaching and current programme listings.
SOKONGAN DITERBITKANSokongan bukan kewangan
KADAR—
TEMPOHMengikut program
SEMAK SEBELUM MEMOHON
Programme-specific registration, location, dates and fees apply.
18 · MDECStatus / insentif
Malaysia Digital Status
Malaysia Digital Status provides eligible digital companies facilitation, ecosystem support and access to competitive fiscal and non-fiscal incentives.
SOKONGAN DITERBITKANSokongan bukan kewangan
KADAR—
TEMPOHMengikut program
SEMAK SEBELUM MEMOHON
Eligible digital activities and current Malaysia Digital Status guidelines apply.
HASIL AGENSIAngka pembiayaan, latihan dan sokongan yang telah dilaporkan agensi.
MSME establishments
2025
96.2% of all establishments; 77.4% were micro enterprises.Sumber ↗Current financing approvals
2026 dashboard
Hebatkan Perniagaan Malaysia / PowerUp 10K dashboard; dashboard values are current-status figures and may update.Sumber ↗Entrepreneurs trained
2026 dashboard
Sumber ↗Approved financing
2025
Approximately RM3.8 billion was channelled to MSMEs.Sumber ↗Entrepreneurs supported through developmental/social/financial inclusion initiatives
2025
Sumber ↗Approved financing
2005–2025
SME Bank reported developmental impact for more than 90,000 entrepreneurs over two decades.Sumber ↗Programmes delivered
through Dec 2025
Sumber ↗Entrepreneurs trained & coached
through Dec 2025
Sumber ↗BECF financing channelled
2025
TERAJU reported more than 500 companies receiving BECF financing in 2025.Sumber ↗Market Development Grant applications
Jan–Jun 2026
Online-service transaction count for the first six months of 2026.Sumber ↗Malaysia Digital Status companies
Q2 2026
Sumber ↗PROGRAM SEJARAHProgram lama dikekalkan sebagai sejarah dan tidak dicampur dengan syarat semasa.
Pandemic recovery intervention
Historical business-recovery and financing measures including SME financing, microcredit and TEKUN Business Recovery Scheme. Kept separate from current programme matching.
RM1.387 billion approvedPENJANA SME financing approvals · as of 9 Apr 2021
14,946 micro SMEsTEKUN Business Recovery Scheme beneficiaries · 2021
CARA GUNA
Gunakan tapisan untuk mencari program, kemudian semak syarat terkini dengan agensi.
Had pembiayaan, kadar, baki dana, tempoh permohonan dan syarat kelayakan boleh berubah. Tarikh semakan dan sumber rasmi disimpan pada setiap program.
Padanan dibuat menggunakan tahap perniagaan, keperluan dan jumlah dana yang dipilih sendiri oleh pengguna, bukan dengan meneka maklumat peribadi.