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Targeted Relief and Recovery Facility (TRRF)

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The Targeted Relief and Recovery Facility (TRRF) is an allocation of RM6 billion by Bank Negara Malaysia that aims to provide relief and support recovery for eligible SMEs in the services sector affected by the reintroduction of containment measures since June 2020.

The facility is for eligible SMEs whose revenues have been affected by the recent enhanced and conditional movement control orders, the central bank said in a statement.

Maximum Loan Amount 


Loan Term 

1 Year - 7 Years (6 mths moratorium)

Interest Rates



3 - 4 Weeks


SMEs* in services sector affected by the reintroduction of COVID-19 containment measures since June 2020 (except tourism-related subsectors), such as:


a) Personal services (e.g. repair of computers / household goods, laundry, hairdressing, beauty)

b) Food and beverage service activities

c) Human health and social work activities

d) Arts, entertainment and recreation

e) Wholesale and retail trade

f) Business services (e.g. Professional, scientific and technical activities; administrative and support service activities)


Note: Recipients of Special Relief Facility (SRF), PENJANA SME Financing (PSF) and PENJANA Tourism Financing (PTF) are not eligible for the TRRF

Purpose of financing : Working capital only (Clean Loan)


Financing size for SME: Up to RM500k per SME


Finance Rate up to 3.5% p.a., inclusive of guarantee fee


Tenure Up to 7 years including a repayment moratorium of at least 6 months


Guarantee coverage • SMEs: 80% (0.5% guarantee fee); • Micro enterprises: 90% (0.5% guarantee fee).

PFIs can obtain guarantee coverage from the Credit Guarantee Corporation Malaysia Berhad (CGC) / Syarikat Jaminan Pembiayaan Perniagaan (SJPP).


Application procedure Submit application directly to the Participating Financial Institutions (PFIs) and approval will be subject to the credit assessment of PFIs Availability Until 31 Dec 2021 or full utilisation (whichever is earlier)


  1. Malaysian SMEs adversely affected by COVID-19,

  2. with at least 51% shares held by Malaysians

  3. Annual Sales Min RM500k for 2019

  4. Company Establish 3 years

Required Documents

  1. A valid Business Registration certificate with SSM or Business License with Local Authority (LA).

  2. A photocopy of NRIC for all Directors / Sole Proprietor / Partners.

  3. Latest 6 months Company’s Bank Statement.

  4. 2 Years Audit Account or Management Account

  5. Other supporting documents as required by the Bank.

 6 Reason Why Apply with us

  1. We same as the Banker, but Banker just represents their bank, they only can help you to apply the loan from their own bank, and we do not belong to any bank.

  2. And most importantly, you save a lot of time and the hassle going from bank to bank and hence, we are the one stop centre for you.

  3. SMI Funding directly using through our network, based on your documents, qualification, nature of business, and other information, find out that which Commercial Bank having higher approval rate chances (Maybank, RHB, Ambank, Standard Chartered & etc) 90% approval rate helped the company successfully get the fund.

  4. Our consultant are commission based, hence they need to work closely with you and the banks until your loan is approved. If not, they won't get a single cent. We charge services charge based on the loan approved. No approval, no commission to be paid. Mean you are gurantee NO RISK

  5. After you’re funded, you and our consultant will work through a plan to get you better lending products in the future. When that time comes, we’ll be there to help you take the next step.

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