BNM HTG Facility
Bank Negara Malaysia (BNM) has launched High Tech & Green (HTG) Facility which is designed to help SMEs and innovative start-ups to grow their businesses and invest in strategic sectors and technologies fields (digital tech, green tech and biotech) for a sustainable and entrenched economic recovery.
Eligibility Criteria

Malaysian SMEs involved in the following sectors:


  • Electrical and Electronics (E&E)
  • Chemicals
  • Refined petroleum
  • Machinery & Equipment (M&E)
  • Medical devices and pharmaceuticals
  • Automotive & transport equipment
    (aerospace; vehicle, parts manufacturers)


  • Information and Communication Technology (ICT)
  • Research and Development
    (Sectors identified to be most aligned to the long-term strategic development goals for Malaysia under the National Investment Aspirations (NIAs))


Businesses (including commercially ready start-ups) involved in providing technology solutions:

Green technology

  • Renewable energy & energy efficiency
  • Transportation
  • Natural resources
  • Circular economy
  • Agritech
  • Low carbon technologies

Digital and 4IR technology

  • Smart manufacturing (IoT solutions)
  • Artificial Intelligence (AI)
  • Big data analytics
  • Virtual/ Augmented reality
  • Robotics
  • Drone technologies
  • Connectivity and distributed infrastructure (5G, block chain, cloud computing)
  • 3D printing
  • Software development


  • Neurotechnology
  • Biohealth (genetics)
  • Biosciences (crop and yield improvement)


SMEs and start-ups in key Government programmes that are involved in innovation and commercialization for range of critical technologies such as 4IR-related technology, green technology, digital and biotechnology under national blueprints. List of eligible programmes will be updated periodically at www.bnm.gov.my/funds4sme

Financing Size

Up to RM10.0million

Financing Purpose

• Working capital; and/or
• Capital expenditure (CAPEX)


Up to 10 Years


Until 31 December 2023, or full utilization of the scheme, whichever earlier.

Financing Rate

• Up to 3.5% p.a. for financing without guarantee; or
• Up to 5% p.a. inclusive of guarantee fee

  1. Recipients of Special Relief Facility (SRF), PENJANA SME Financing (PSF) and/or PENJANA Tourism Financing (PTF) are eligible for the HTG, for the purpose of financing capital expenditure only.
  2. All programme participants are encouraged to obtain a letter from the respective agencies to ease verification process by PFIs.
Terms and conditions apply.
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