MIDF SME Emergency Fund

A soft loan for SMEs that help inject working capital requirements into your debilitated business. Don't let natural disasters eat away your passion and income!

MIDF SME Emergency Fund
Up to 5 years
Interest Rate
from 3% p.a.
Loan type
Interest Type
Flat interest rate

Interest rates

How much the bank charges you based on your loan amount & loan period

You borrowLoan periodAnnual Sales TurnoverInterest Rate
RM50,000 - RM100,00012 to 60 monthsRM300,000 to RM50,000,0003% p.a.

Fees & Charges

Interest Rate / APR
As low as 3% p.a. depending on loan amount and period
Stamp Duty


Minimum Annual sales turnover
Maximum Annual sales turnover
Minimum Company Age
2 years
Who can apply
  • Malaysian Registered Companies.
  • Micro Enterprise,SME

More Information

You have learned the hardships when first starting a business. Don't get swept away by the unfortunate when disaster strikes as MIDF are offering an accessible financial lifeline for you to rebuild what had been torn down.

What can I get from MIDF SME Emergency Fund?

MIDF SME Emergency Fund is a capital working loan for small and medium entrepreneurs whose businesses had been adversely affected by natural disasters such as floods, storms, drought, beach erosion or landslide.

This fund provides a soft loan, channelled by the government of Malaysia via SME Corporation to MIDF, for small business entrepreneurs to get back on their feet at favourable terms. 

You can borrow any amount between RM50,000 to RM100,000 at a flat profit rate of 3% per annum over a tenure of 5 years, excluding a 6-months grace period.

What can I finance with SME Emergency Fund?

Any affected small business owners from all sectors can avail themselves of this business loan for working capital purposes such as purchases of raw materials and consumables. 

That's not all, you can also use this soft business loan for machinery and equipment purchasing and refurbishment of business premises.

  • Up to 90% of the cost of new machinery/equipment
  • Up to 65% of the cost of used/reconditioned machinery or equipment not more than 5 years
  • Up to 90% of the cost of refurbishment of business premises
  • Up to 90% of the working capital requirements.

Am I qualified to apply for MIDF SME Emergency Fund?

First of all, you need to be an SME incorporated under the Company Act 1956 or Registration of Business Ordinance, with a valid premises license issued by the municipal council.

Your business needs to be operated in the area declared as a disaster area by your district offices or Majlis Keselamatan Negara. And upon this business loan application, you need to provide proof of evidence of natural disaster which is issued by the district office and a police report.

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