Persons with disabilities (PWD) are entitled to several benefits and privileges provided by the Government and the relevant private agencies as stated in the Department of Social Welfare Malaysia.

Public Transportation

  1. Komuter
  2. RapidKL
  3. Malaysia Airlines

Business Support and Funding

SME Business Accelerator Programme (BAP) / SME Enrichment & Enhancement Programme (E²)

Dynamic, Competitive & Resilient SMEs

This programme enables SMEs/Micro Enterprises (MEs) to be assisted through an integrated guided approach. The approach involves strengthening their core business, building capacity and capability, and facilitating access to financing. Applicants will receive business and technical advice aimed at enhancing their business potential.

Who qualifies for the programme?

Sectors covered:

  • Manufacturing and manufacturing-related services
  • Service-oriented Industries
  • Agriculture (Agro-based products)

BAP Eligibility Criteria:

  • SMEs incorporated under the Companies Act 1965
  • At least 60% Malaysian equity
  • Valid business / premise license
  • Must undergo SCORE assessment

E² Eligibility Criteria:

  • MEs incorporated under the Companies Act 1956
  • Fulfill the definition of Micro Enterprises (MEs)
  • At least 6 months in operation
  • Valid business license / premise
  • Must undergo M-CORE assessment

Definition of SMEs

Sector Annual Sales Turnover OR No. Of Full-time Employees
Manufacturing, Manufacturing-Related Services & Agro-based Industries Less than RM25 million OR Less than 150
Services, Primary Agriculture, Information & Communication Technology (ICT) Less than RM5 million OR Less than 50

Components of E²

  • Framework of E²
  • Diagnostics
    Micro Enterprise Competitiveness Rating for Enhancement (M-CORE) Programme

    • A diagnostic tool used to rate and enhance competitiveness of MEs based on their performance and capabilities.

Components of BAP

  • Framework of BAP
  • Diagnostics
    SME Competitiveness Rating for Enhancement (SCORE) Programme

    • A diagnostic tool used to rate and enhance competitiveness of SMEs based on their performance and capabilities.
  • Capacity-Building
    • Skill Upgrades
    • Short-term courses provided under the 40 training centres that have been appointed by SME Corp. Malaysia
    • Entrepreneur Training
  • Brand Awareness
    • Providing awareness on the importance of branding and packaging to SMEs across the country.
    • Advisory & Technical Support
  • One-Referral Centre (ORC)
    • Providing advisory services for start-ups as well as established businesses from the SME Expert Advisory Panel (SEAP)*.
  • SME Expert Advisory Panel (SEAP)
    The programme that provides advisory services by experts in various fields such as:

    • Technological Advancement
    • Production Capacity Improvement
    • Engineering
    • Automation
    • Machinery Equipment
    • Materials Technology
    • Process Improvement
    • Design
    • Financial Management
    • International Standards
    • Productivity improvement
    • Maintenance
    • Labelling & Packaging
    • Quality Assurance
    • ICT & Computerization
    • Business Systems
    • Lean Production System (LPS) Management
  • Facilitating Access to Financing
    • Providing advisory services for access to financing by various public and private financial institutions.

The E2 and BAP are programmes of SME Corporation Malaysia.

MIDF Financing

The Soft Loan Scheme for Small & Medium Enterprises (SLSME) was launched in December 2001 to promote the development of small and medium enterprises in Malaysia. This Scheme assists existing as well as newly started enterprises in projects, fixed assets and working capital financing.

The finances are contributed by the Government of Malaysia via SME Corporation Malaysia to MIDF for the implementation of the Scheme.

Eligibility Criteria and Main Features


  • SMEs incorporated under the Companies Act 1965 or Registration of Business Ordinance 1956;
  • At least 60% equity held by Malaysians;
  • Possesses a valid premises licence ; and,
  • SMEs with shareholdings not exceeding 20% held by public-listed companies (only if applicable).


  • Manufacturing
  • Manufacturing-related services
  • Services (excluding insurance and financial services)

Financing Amount:

  • Minimum: RM50,000.
  • Project Financing – Maximum RM5 million. Fixed Assets Financing – Maximum RM5 million.
  • Working Capital Financing – Maximum RM3 million. IT Hardware/Software – Maximum RM500,000.

Items Eligible for Financing:

  • Industrial/Commercial land and factory/business premises construction, ready-built factories/business premises, plant, machinery/equipment and IT hardware/software.
  • Costs incurred for initial store renovation and upgrade of store display for retail trade.
  • Working capital.

Percentage Financing

Fixed Assets/IT Hardware/Software

  • Up to 90% of the cost of new assets.
  • Up to 65% for used/reconditioned machinery/equipment which are not more than 5 years old.

Working Capital

  • Up to 100% for Purchase Revolving Credit
  • Up to 80% for Sales Revolving Credit
  • Up to 90% for Term Financing


Fixed Assets/IT Hardware/Software

  • Land & Building – Up to 25 years including a grace period of up to 2 years
  • Plant & Machinery equipment – Up to 7 years including a grace period of up to 1 year
  • IT Hardware/software – Up to 4 years including a grace period of up to 1 year

Working Capital

  • Purchase Revolving Credit & Sales Revolving Credit – up to 150 days for each drawdown including an option to rollover for a period not exceeding 60 days for eligible borrowers.
  • Term Financing – up to 3 years including a grace period of up to 6 months.

Interest / Profit Rate

4% per annum on yearly rest.

For Online Financing applications, click here.


For further information, please contact:
Fadzlan Abu Bakar
Head, Marketing, Development Finance Division
Malaysian Industrial Development Finance Berhad (“MIDF”)
Address: Level 15, Menara MIDF, 82, Jalan Raja Chulan, 50250 Kuala Lumpur
Phone: 03-2173 8598 / 013-352 3534
Fax: 03-2772 1911