MIDF SME Emergency Fund

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!

    • Financing up to RM100k
    • Up to 5 years tenure
    • Loan
  • Borrow: RM 
    How Long: years
    My monthly sales turnover: RM  

    Monthly repayment: RM-

    Interest rate p.a.: -%

Not the business loan you're looking for? Did you know you can compare all the business loan in Malaysia?

Interest rates

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

You BorrowLoan PeriodAnnual Sales TurnoverInterest Rate
RM50000 - RM100000 12 to 60 monthsRM300000 to 50000000 3% p.a.

Fees & Charges

There are always fees but how much are they?

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


Are you eligible for this business loan?

Minimum annual sales turnover
Maximum annual sales turnover
Minimum company age
2 years
Who can Apply
  • Malaysian Registered Companies
  • Micro Enterprise
  • SME

Frequently Asked Questions about MIDF SME Emergency Fund

Things you might want to know

You have learned the hardships when first starting a business. Don't get swept away by the unfortunate when disaster strikes as MIDF is 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 business had been adversely affected by natural disasters such as flood, storm, drought, beach erosion or landslide.

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

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

What can I finance with SME Emergency Fund?

Any affected small business owners from all sectors can avail themselves to 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 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 need 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.

Read More