SME Bank

Special Fund for Tourism 3 (SFT3) is a financing programme to support Government’s effort to boost the tourism industry among the small and medium enterprises and to contribute towards the income for the nation.


  • Registered under the Companies Commission of Malaysia Act 2001 or Co-operative Societies Act 1993 (Amendment 2007).
  • Meets Small and Medium Enterprise (SME) definition.
  • The Company has been in operations for a minimum of 2 years.
  • The shareholding structure is at least 51% owned by Malaysian.
  • Project including homestays or handcrafts must be registered with Ministry of Tourism and Culture (MOTAC) or endorsed by Jawatankuasa Pinjaman Tabung Pelancongan (JKPTP) of MOTAC.
  • Project located in Malaysia.

Financing Concept

  • Commodity Murabahah Term Financing-i (CMTF-i)

Financing Limit

Minimum: RM50,000
Maximum: RM500,000

Financing Tenure

  • Up to 5 years

Profit Rate

  • 6.0% fixed p.a. (net of 2.0% p.a. profit rate subsidy)

Nature of Project

Priority shall be given to the following types of projects:

  • Tourism projects that are being promoted by the Government.
  • New, upgrading or renovate tourism and historical properties.
  • Transportation services related to tourism.
  • Tourism resorts and its infrastructures.
  • Manufacturing or supplying products/ facilities related to tourism.
  • Working capital for tourism activities
  • Other related tourism projects which is determined by the Government.

Download Product Disclosure Sheet

Applying for business financing is now easier with MySMEBank online application