Best Government Grants & Loans for Small Businesses 2025
In 2025, the Malaysian government is offering various grants and loan programs to support small and medium enterprises (SMEs). Here are some notable initiatives:
1. Market Development Grant (MDG)
- Description: A reimbursable grant designed to assist Malaysian SMEs in promoting their products or services globally.
- Agency in Charge: Malaysia External Trade Development Corporation (MATRADE).
- Website: MATRADE MDG
2. Micro Business Grant (GPM)
- Description: Aims to promote the development of micro enterprises through financial assistance and advisory services. Provides a grant covering up to 70% of eligible expenses, with a maximum of RM200,000.
- Agency in Charge: SME Corporation Malaysia.
- Website: SME Corp GPM
3. Bumiputera Entrepreneurs Startup Scheme (SUPERB)
- Description: Provides grants up to RM500,000 to support innovative and creative business ideas from Bumiputera entrepreneurs.
- Agency in Charge: Unit Peneraju Agenda Bumiputera (TERAJU).
- Website: TERAJU SUPERB
4. SJPP Loan Guarantees for SMEs
- Description: The government, through Syarikat Jaminan Pembiayaan Perniagaan (SJPP), continues to guarantee SME financing up to RM20 billion, including an RM5 billion guarantee specifically for SMEs.
- Agency in Charge: Syarikat Jaminan Pembiayaan Perniagaan (SJPP).
- Website: SJPP
5. TEKUN Nasional Financing
- Description: Offers microloans to small traders and entrepreneurs, including specific allocations for Bumiputera, women, and other targeted groups.
- Agency in Charge: TEKUN Nasional.
- Website: TEKUN Nasional
6. BSN Micro/i Kredit Prihatin
- Description: Provides microloans to small businesses affected by economic challenges, with a focus on assisting micro-entrepreneurs in sustaining their operations.
- Agency in Charge: Bank Simpanan Nasional (BSN).
- Website: BSN Micro/i Kredit Prihatin
7. Program Rezeki Tani
- Description: Offers in-kind grants and training up to RM10,000 for individuals interested or involved in agriculture-related activities, including production, processing, distribution, and marketing.
- Agency in Charge: Ministry of Agriculture and Food Security.
- Website: KPKM Program Rezeki Tani
8. e-Trade 2.0
- Description: Assists SMEs in adopting e-commerce platforms to expand their market reach internationally, including financial incentives and training.
- Agency in Charge: Malaysia External Trade Development Corporation (MATRADE).
- Website: MATRADE e-Trade 2.0
These programs reflect the Malaysian government’s commitment to supporting small businesses through various financial aids and resources. For detailed eligibility criteria and application procedures, please visit the respective websites.
