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WORKING CAPITAL FINANCING

Penjana Tourism Financing

Eligible Sectors


All sectors listed on Page 3 of BNM e-booklet except for tourism accommodation premises and money changing operators.

The eligible sectors are as below:

Main Tourism:

  • Travel agency and travel operator
  • Transportation for tourism (ie. Bus operator, boat, Car Rental

Related Tourism:

  • Medical tourism
  • Meeting ecosystem, incentives, conference, exhibition (Meetings, Incentives, Conferences, Exhibitions, MICE)
  • Retail business, recreational and health related to tourism which proven that their business has strong relationship with tourist

Facility Type


Term Loan / Term Financing

Purpose of Financing


For working capital only.

Not applicable for refinancing of existing credit/financing facilities.

Financing Amount


SMEs: Up to RM300k per SME; and

Micro enterprises: Up to RM75k per micro enterprise

The common limit will apply for SMEs’ associate companies with common shareholding of more than 20%

Financing Tenure (inclusive of payment deferment)


For SMEs - up to 7 years

For Micro enterprises - up to 5 years

Payment Deferment


6 months

Interest / Profit charges for the 6 months payment deferment will be accrued. The amount will be knocked-off against payment made by the customer after the payment deferment period. Thereafter, the amount will reduce the principal balance.

Financing Rate


3.5% p.a. (inclusive of guarantee fee)

Required Documents


  • Latest 6 months bank statement
  • Copy of directors’ identity card
  • Business registration related documents
  • Audited/management accounts of the last 2 financial years

Other Requirements


  • Business in operation for a minimum of 3 years
  • Customer with turnover of up to RM25 million
  • Positive net worth company (for negative net worth company, they are allowed to increase paid up capital prior to disbursement of financing)
  • Recipients of Special Relief Facility (SRF) and / or PENJANA SME Financing (PSF) are not eligible

Terms and conditions apply

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