The All Economic Sector (AES) financing scheme is an initiative by Bank Negara Malaysia (BNM) to improve access to financing for Small and Medium Enterprises (SMEs) across all economic sectors, supporting sustainable business growth. This facility offers financing at a fixed rate and is backed by a guarantee from either Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) or Credit Guarantee Corporation Malaysia Berhad (CGC).

Note: The financing shall not be used for the following actitivies:

• Purchase of shares;
• Refinancing of existing credit / financing facilities;
• Purchase of land / real estate investment;
• Property development;
• Investment by investment holding companies;
• Activities where stock in trade is money (including credit, leasing, factoring and insurance businesses);
• Gambling, alcohol, tobacco or other similar activities / products; and
• Non-shariah compliant activities (applies to Islamic financing only)