HLB BNM SME Automation and Digitalisation Facility (ADF)

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  • BNM SME Automation and Digitalisation Facility (ADF)
BNM SME Automation and Digitalisation Facility (ADF)

BNM SME Automation and Digitalisation Facility (ADF)

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BNM SME Automation and Digitalisation Facility (ADF)

BNM SME Automation and Digitalisation Facility (ADF) is a financing scheme established by BNM to incentivise SMEs to automate processes and digitalise operations to increase productivity, with a total allocation of RM1 billion. This includes the financing of purchase of equipment, machinery, computer hardware and software, IT solutions and services, technology support services and other intangible assets to enhance productivity and efficiency.

Key Features

Scheme Name

SME Automation and Digitalisation Facility (ADF)

Objective

Incentivise SMEs to automate processes and digitalise operations to increase productivity and efficiency

Eligibility

Malaysian SMEs¹ that fulfil the following criteria:

  • Registered with the Companies Commission of Malaysia (SSM), or authorities/district offices in Sabah and Sarawak, statutory bodies for professional service providers.

  • Shareholding by Public Listed Companies and Government Linked Companies (if any) in the SMEs shall not exceed 20%.

  • Malaysians residing in Malaysia that hold a minimum of 51% shareholding in the business.


¹As defined by SME Corp. Malaysia’s Guideline for SME Definition, accessible at https://www.smecorp.gov.my/images/pdf/2021/Guideline_on_SMEDefinition_Updated_Sept2020_Final.pdf

Purpose of Financing

Purchase of equipment, machinery, computer hardware and software, IT solutions and services, technology support services and other intangible assets to enhance productivity and efficiency.

 

(Not for refinancing of existing financing facilities)

Maximum Tenure 

Up to 10 years

Financing Limit

Up to RM3 million

Financing Rate

Up to 4.00% p.a. (inclusive of guarantee fee, if any)

Guarantee


Guarantee scheme by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) / Credit Guarantee Corporation (CGC)

Note: The final approval on financing granted is subject to Bank credit assessment and discretion.
 

For further information or enquiries, please leave your contact details by clicking on the I’m Interested button and our Relationship Managers will reach out to you.
 

For our existing customers who are interested, you can apply for this financing through your dedicated Relationship Managers.

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