SME Automation & Digitalisation Facility (ADF)

SME Automation & Digitalisation Facility (ADF)


  • RM300 million


  • Malaysian SMEs, with at least 51% shares held by Malaysians


  • To incentivize SMEs to automate processes and digitalise operations to increase productivity and efficiency

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
  • Refinancing of existing facilities is not allowed

Financing rate

  • The effective financing rate is up to 4.0% per annum, inclusive of guarantee fee
  • For Islamic financing, the profit rate for the Islamic contract is 4.0% per annum, inclusive of guarantee fee

Guarantee Coverage

  • 80% guarantee coverage from Credit Guarantee Corporation Malaysia (CGC) or Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Guarantee Fee

  • 0.5% per annum

Type of Financing

  • Term loan / Term Financing only

Financing Limit

  • Up to RM3 million per SME

Maximum Financing Tenure

  • Up to 10 years

Availability Period

  • From 6 March 2020 to 31 December 2020

How to Apply

  Leave us your contact details so that we may reach out to you

Click here

  Contact our Call Centre at +603-8230 2222 or visit the nearest Business Centre nationwide today.

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