SME Technology Transformation Scheme (STTF)


To assist SME entrepreneurs promote their products / services more aggressively as they penetrate new markets with quality offerings

Financing type
Financing rate

4% per annum (flat rate)

Financing tenure

Up to 5 years

Financing amount (max)

RM5 million

Purpose of Financing
Working Capital
Eligibility criteria
  • Within the national definition of SME as defined by Bank Negara Malaysia
  • Registered under the Companies Commission of Malaysia Act 2001 or Co-Operatives Societies Act 1993
  • The company has been in operation for a minimum of two (2) years
  • Must submit the Technology Audit Report by SIRIM
  • Applicant is a Malaysian citizen with a minimum of 51% of equity ownership
  • No legal action against the Directors or the Company
  • The company has positive Shareholders Fund
Application procedure

Applicants can submit complete financing application directly to SME Bank through their branch networks nationwide. For further enquiries & free consultation or details on STTF program, please contact Customer Service Centre via the toll free number 1 800 88 3131 or visit

For further information

Small Medium Enterprise
Development Bank Malaysia Berhad
Menara SME Bank
Jalan Sultan Ismail
50250 Kuala Lumpur
Tel: 1800-88-3131