SME Bank

TRRF is a programme providing relief and support recovery for SMEs in the services sector affected by reintroduction of containment measures since June 2020.

  • Working capital

Malaysian SMEs in services sector affected by reintroduction of COVID-19 containment measures since June 2020 (except for tourism and tourism-related subsectors), such as:

  • Personal services (e.g. repair of computers / household goods, laundry, hairdressing, beauty);
  • Food and Beverage service activities;
  • Human Health and Social Work activities;
  • Arts, Entertainment and Recreation;
  • Wholesale and Retail Trade; and
  • Business services (e.g. Professional, Scientific and Technical Activities; Administrative and Support Service Activities).

Note: Recipients of Special Relief Facility (SRF), PENJANA SME Financing (PSF) and/or PENJANA Tourism Financing (PTF) shall not be eligible for the TRRF.

Sectors below are not eligible for TRRF:

  • Purchases of shares;
  • Refinancing of existing credit/financing facilities;
  • Purchase of land/real estate investment;
  • Property development;
  • Investment by investment holding companies;
  • Activities where the stock in trade is money (including credit, leasing, factoring and insurance businesses), except for money changing operators;
  • Gambling, alcohol, tobacco or other similar activities/products; and
  • Non-Shariah compliant activities
Financing limit
  • Up to RM500,000 per SME.
  • Note: The above is applicable for associated companies for SMEs with common shareholders i.e. with ≥20% shareholding.

Financing Tenure
  • Up to 7 years, with at least 6 months moratorium on monthly instalments.

Profit Rate
  • Up to 3.5% p.a. (inclusive of guarantee fees).

  • No collateral shall be imposed for financing offered under this facility.

Brochure & Product Disclosure Sheet
Frequently Asked Question (FAQ)

For further enquiries, please contact our Customer Service Centre at 03-2603 7700