Budget 2027 · Grants & Financing

Budget 2027 · Grants & Financing

Grants, Financing and
Industry Support

A practical guide to announced funding, grants and support measures for small businesses, entrepreneurs, workers and selected industries.

SME funding Business grants Industry support Workers & communities
ENGLISH

What support is included?

Budget 2027 materials describe a mix of financing, grants, matching support and sector programmes. The amounts below are programme allocations or announced support figures; they are not all individual entitlements.

Before applying: Check the responsible agency’s current announcement for eligibility, application dates, documents, repayment terms and whether the funding is a grant, loan, guarantee or matching contribution.

1. Funding for SMEs and Entrepreneurs Business financing, microfinancing, export support and alternative funding

Microfinancing for small entrepreneurs

RM6.6 billion in 2027

The microfinancing pool is proposed to support small entrepreneurs through several agencies and programmes.

Allocations highlighted:
AIM: RM3 billion
TEKUN: RM1.3 billion
BSN: RM1.7 billion
Indian small entrepreneurs: RM150 million through TEKUN and AIM

Funding is distributed through different programmes. Each programme has its own target group and application rules.

Export financing for local MSMEs

BPMB financing: RM1 billion

Bank Pembangunan Malaysia Berhad (BPMB) is set to provide financing to help local MSMEs explore export markets in 2027.

Businesses should check the financing product, eligible export activities and application process with BPMB.

Funding through ECF and P2P platforms

RM270 million

Funding is proposed to support SMEs, mid-tier companies and social enterprises through equity crowdfunding (ECF) and peer-to-peer (P2P) platforms.

This is a funding pool, not a fixed grant amount for each business. Platform and programme terms apply.

SJPP and CGC financing guarantees

Up to RM32 billion in 2027

SJPP and CGC are expected to provide financing guarantees. The measures include expanded SJPP coverage for mid-tier companies across sectors.

Additional details announced:
SJPP guarantee limit may increase to RM50 million. RM1 billion of SJPP guarantees is reserved to support local companies expanding through mergers and acquisitions.

Additional BNM financing for affected SMEs

Additional RM5 billion

Bank Negara Malaysia is set to add a further RM5 billion to financing support for SMEs affected by the West Asia conflict, following the earlier facility.

Check participating financial institutions for current availability and eligibility requirements.

PUNB financing fund

RM350 million → RM500 million

The financing fund provided by Perbadanan Usahawan Nasional Berhad (PUNB) is proposed to increase from RM350 million to RM500 million.

Contact PUNB for the financing products, target sectors and application requirements.

Financing for agricultural entrepreneurs

More than RM1 billion

Agricultural entrepreneurs are expected to access financing through Agrobank, Bank Rakyat and the Malaysia Co-operative Societies Commission to support production and technology adoption.

Oil palm replanting support for smallholders

RM100 million hybrid financing

The financing is proposed to assist 4,500 smallholders with oil palm replanting. Under the announced hybrid approach, smallholders repay half of the financing.

Soft financing for replanting costs

RM200 million

Soft financing is proposed for replanting areas of up to 40 hectares. Repayment may be deferred for four years while trees mature, with growers paying 2% interest and the Government bearing the balance.

Agrobank aquaculture financing

RM40 million

Financing is proposed for aquaculture projects as part of support for fishermen and the development of aquaculture activities.

Gig worker business financing

RM270 million shared facility

BSN and Agrobank are expected to provide financing for gig workers’ business activities and first-home purchases. The amount is shared across these purposes.

2. Grants for Businesses and Start-ups Support for certification, equipment, training and commercialisation

First-time halal certification grant

Matching grant up to RM5,000

MSMEs applying for halal certification for the first time may receive a matching grant of up to RM5,000, subject to the programme’s terms.

Grants to strengthen halal MSMEs

Grant: RM25,000

Grants of RM25,000 are proposed to strengthen halal MSMEs in fields such as cosmetics and pharmaceuticals.

Geran Sejahtera MADANI

RM200 million allocation

Funding is proposed for equipment and training for 40,000 recipients, particularly women and people with skills who need help purchasing work equipment.

Cradle prototype and commercialisation grants

RM41 million allocation

Funding is proposed for the Startup Ecosystem Roadmap and grants supporting prototype development and commercialisation.

Childcare ecosystem and caregiver training

RM100 million matching grants

Yayasan GLIC GLC will provide matching grants to strengthen childcare and train 6,000 caregivers in more than 50 new areas across nine states.

Tourism event incentive grants

RM935 million for tourism and culture

Incentive grants are proposed to help tourism industry players promote and organise events, as part of the tourism and culture allocation.

3. Industry and Community Support Measures for farmers, traders, tourism, transport and workers

Support for small traders and festive bazaars

50% rent discount in 2027

More than 10,000 small traders renting DBKL premises are expected to receive a 50% rent discount throughout 2027. Festive bazaars may have rental rates as low as RM400.

Paddy farmer assistance

RM2.62 billion allocation

The assistance package is estimated at about RM4,300 per hectare and includes support for seeds, fertiliser, pesticides, ploughing and paddy prices.

Incentives mentioned:
Harvesting incentive: RM50 → RM100 per hectare per season
Ploughing incentive: RM300, extended to Sabah and Sarawak

Aquaculture grants for fishermen

Project grants proposed

Grants are proposed for aquaculture projects that can increase fishermen’s income, including biofloc systems for tilapia farming.

International flights and tourist transport

Matching grants proposed

Matching grants are proposed for international and charter flights to develop new routes from China, India, Central Asia and Europe. The scope may include cruise ships, ferries and excursion buses bringing international tourists to Malaysia.

International events at large venues

Venue capacity: 10,000+

Rebates are proposed for event organisers using venues with capacity for at least 10,000 spectators to help attract major international events.

Taxi and school bus driver assistance

One-off RM1,000

One-off assistance is announced for 38,000 taxi and hired-car drivers and 15,000 school bus drivers nationwide.

The newsletter says the assistance is expected to be disbursed the following week; check current official announcements for payment status.

E-hailing and p-hailing worker support

RM160 million package

A joint Government and Grab package is planned from 2027 to support net income and worker welfare. Proposed areas include income rates, vehicle maintenance, insurance, SOCSO and EPF contributions.

SOCSO contribution matching incentives

35% / 50% / 70%

The Government proposes SOCSO matching contribution incentives for e-hailing and p-hailing workers, with a higher rate if the platform also contributes. A 70% matching incentive is proposed for self-employed people in 17 non-mandatory sectors, excluding e-hailing and p-hailing.

EPF matching for e-hailing and p-hailing drivers

Up to RM600 per year

Eligible drivers may receive EPF matching contributions of up to RM600 per year, or RM6,000 over a lifetime.

Childcare and MediAsas support for SMEs

RM200 premium subsidy per employee

For SMEs with fewer than 75 employees, the Government proposes to subsidise RM200 of first-year MediAsas premiums per employee, limited to 50 employees per company.

The measure is expected to benefit up to 200,000 employees. MediAsas is planned to launch in January 2027.

Looking for support for your business or industry?
First identify the relevant programme and responsible agency. Then confirm eligibility, application dates, required documents and whether the assistance is a grant, loan, guarantee or matching contribution.
Important: This page summarises Budget 2027 materials. Some items are allocations or announced plans, and detailed application rules may be issued separately. Confirm the latest official information before applying or publishing eligibility claims.
HBA Global Consultancy Sdn. Bhd.
202001021804 (1378124-X)

HBA CFO Preview Workshop

HBA GLOBAL CONSULTANCY

CFO
PREVIEW
WORKSHOP

MOST BUSINESSES DON’T FAIL BECAUSE THEY HAVE NO SALES — THEY FAIL BECAUSE THEY CAN’T SEE WHAT THE NUMBERS ARE TELLING THEM.

A practical preview workshop for business owners who want clearer cash flow, better financial visibility, and more confidence when making business decisions.

📅 Tue, 22 Sep 2026
🕗 8:00 PM – 9:30 PM
💻 Zoom
🗣 Mandarin
Horst Yong speaking at an HBA Global business event
Horst YongHBA Global Co-Founder · CA(M), ACCA(UK)
BUSINESS OWNER PAIN POINTS

YOUR BUSINESS MAY LOOK PROFITABLE — BUT DO YOU REALLY KNOW WHERE THE CASH IS?

Many SME owners only look at bank balance, sales, or year-end accounts. But those numbers alone do not tell you whether the business is financially healthy.

Warning sign:
“Boss, the bank account has no money.”
01

SALES ARE COMING IN, BUT CASH IS ALWAYS TIGHT

Customers have not paid yet, inventory has already been purchased, suppliers need payment, and payroll cannot wait.

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YOU SEE PROFIT — BUT DON’T FEEL THE MONEY

Profit on paper does not automatically mean healthy cash flow. The real question is: where is your cash being trapped?

03

YOU WANT TO HIRE, EXPAND OR TAKE BIGGER PROJECTS — BUT YOU’RE NOT SURE

Without clear financial visibility, every growth decision feels risky.

04

YOU THINK YOU NEED A LOAN — BUT IS FUNDING REALLY THE PROBLEM?

Sometimes the issue is not a lack of money. Cash may simply be stuck in receivables, inventory, cost structure, or poor planning.

05

YOUR ACCOUNTANT GIVES YOU REPORTS — BUT WHO TELLS YOU WHAT TO DO NEXT?

A report shows what happened. CFO-level thinking turns the numbers into decisions, priorities and action.

MOST BUSINESSES ARE NOT SHORT OF DATA. THEY ARE SHORT OF FINANCIAL CLARITY.

This workshop helps you identify blind spots, understand what the numbers are really saying, and decide what to do next.

WHAT YOU'LL LEARN

FROM REPORTS TO REAL BUSINESS DECISIONS.

This is not an accounting class. It is a business-owner session designed to help you understand what to look at, what the red flags mean, and where action should come first.

💵

CASH FLOW CLARITY

Understand why profit and cash are not the same, and identify where cash may be getting stuck.

📊

5 KEY FINANCIAL INDICATORS

Know which numbers deserve the business owner’s attention instead of drowning in a full set of accounts.

⏳

COLLECTION DAYS

See how slow customer collections affect cash flow and estimate how much cash may be released through better collection.

🏦

FINANCING READINESS

Understand what banks and funders look at before you start preparing a loan or funding application.

🔍

FINANCIAL BLIND SPOTS

Learn to identify warning signs in receivables, inventory, costs and operating structure before they become bigger problems.

🧭

WHAT TO DO NEXT

Turn financial information into clearer priorities, actions and a practical roadmap for the business.

WHAT CFO THINKING CHANGES

ACCOUNTING TELLS YOU WHAT HAPPENED.
CFO THINKING HELPS YOU DECIDE WHAT HAPPENS NEXT.

01

Understand the financial health of your business.

02

Differentiate Revenue, Profit and Cash Flow.

03

Find the biggest cash flow bottlenecks first.

04

Make financing and growth decisions with more confidence.

WHO SHOULD JOIN

THIS WORKSHOP IS FOR YOU IF...

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You receive financial reports but are unsure what they mean for the business.
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You want to expand, hire or invest but are unsure whether the business can afford it.
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You are considering financing and want to understand whether your business is ready.
✓
You want a clearer system to review your numbers and decide what to improve first.
Horst Yong presenting at an HBA Global workshop
YOUR SPEAKER

HORST YONG

HBA Global Co-Founder · CA(M), ACCA(UK)

This preview workshop focuses on helping business owners move beyond financial reports and start using numbers as a management tool — for cash flow, financing, planning and business decisions.

Cash Flow Clarity & Planning
Business Financial Health Review
Forecasting & Financial Roadmap
Financing Readiness & Banking Strategy
WORKSHOP DETAILS

READY TO SEE YOUR BUSINESS NUMBERS DIFFERENTLY?

Join this CFO Preview Workshop and leave with a clearer view of your company’s financial health, cash flow blind spots and next priorities.

DATETuesday, 22 September 2026
TIME8:00 PM – 9:30 PM
PLATFORMZoom
LANGUAGEMandarin
FEEFREE
SPEAKERHorst Yong
LIMITED PREVIEW SESSION

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HBA Global Consultancy · www.yourhba.com

2026 年最新消息:CP500 罚款豁免

🚨 收到 CP500?别忽略!搞错可能被罚款!

近年来,不少纳税人在登入 MyTax 时发现自己收到了一份来自 LHDN 的文件:

📄 CP500(Notis Bayaran Ansuran)

很多人的第一反应是:

👉 为什么突然要我缴税?
👉 我不是已经报税了吗?
👉 CP500 是新的税吗?

其实,CP500 并不是新税种,而是一种 预缴税款(Tax Instalment)机制。


什么是 CP500?

CP500 是 LHDN 根据你过往申报的收入情况,预估你下一年度应缴纳的税款,并要求你分期预先缴付税款。

简单来说:

不是等到明年报税才一次过缴税,

而是提前分成 6 期缴纳。

常见适用人士包括:

✅ 房东(Rental Income)
✅ 自由工作者(Freelancer)
✅ 保险代理员
✅ 房地产代理员
✅ 网卖卖家
✅ 拥有副业收入的人士
✅ Sole Proprietor 业主


为什么我会收到 CP500?

如果你除了薪水之外,还有其他收入来源,例如:

✔ 租金收入
✔ 佣金收入
✔ 副业收入
✔ 版权费
✔ 利息收入

LHDN 可能会发出 CP500 通知。

因为这些收入不像薪水一样有 PCB(每月预扣税),所以税务局会要求你提前缴税。


2026 年最新消息:CP500 罚款豁免

近期 LHDN 宣布:

部分符合条件的纳税人,即使没有按照 CP500 时间表缴付税款,也不会被征收 CP500 迟缴罚款。

这项豁免主要适用于:

✅ 有就业收入(Employment Income)
同时
✅ 也有非就业收入(Non-Employment Income)的人士

例如:

  • 上班族 + 收租金

  • 上班族 + 接 Freelance

  • 上班族 + 保险佣金

  • 上班族 + 版权收入

政府表示,这项安排主要是给予纳税人适应 CP500 制度的过渡期。


⚠️ 不是所有人都享有豁免

很多人误会:

❌ 收到 CP500 = 今年不用缴税

这是错误的。

根据 LHDN 说明:

如果你的收入主要来自:

  • 生意收入

  • 自雇收入

  • 租金收入

  • 佣金收入

且本来就属于 CP500 群体,

则未必自动享有这项过渡性豁免。


收入减少怎么办?

如果今年收入明显下降:

✔ 生意变差
✔ 房子空租
✔ 停止副业
✔ 停止收取佣金

可以透过:

📄 Form CP502

向 LHDN 申请调整 CP500 金额。

2026 年的调整期限为:

📅 第一次:30 June 2026
📅 第二次:31 October 2026


不要忽略另一种 10% 罚款

虽然部分人士可享 CP500 罚款豁免,

但很多人忽略了一点:

👉 CP500 罚款豁免 ≠ 所有税务罚款豁免

如果你最终报税后仍有税款需要缴付,

但没有在规定期限内付款,

仍可能面对迟缴罚款。


💡 HBA 小贴士

收到 CP500 时,不要急着缴,也不要直接忽略。

建议先确认:

✔ 为什么收到 CP500
✔ 是否属于豁免群体
✔ 金额是否合理
✔ 是否需要提交 CP502 调整

因为处理正确的话:

👉 可以改善现金流规划
👉 避免不必要的税务负担
👉 降低未来被追税或罚款的风险


官方参考资料


Disclaimer

本文仅供一般资讯参考,不构成税务建议。实际税务处理应根据纳税人的具体情况及 LHDN 最新规定而定。如需专业协助,建议咨询合格税务顾问。

KOL & Influencer Tax in Malaysia Illustration

KOL & Influencer Tax in Malaysia: Explained LHDN Official Guideline (Illustration) - ENG


马来西亚 KOL / 网红税务指南 (图文版) - 中文


[ILLUSTRATION] EPF / KWSP Malaysia Officially Launches WhatsApp Channel

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2
3
4

KWSP Malaysia Officially Launches WhatsApp Channel

website (38)

📢 EPF / KWSP Malaysia Officially Launches WhatsApp Channel

On 8 August 2025, the Employees Provident Fund (EPF Malaysia / KWSP) officially launched its dedicated WhatsApp channel — WhatsApp KWSPMalaysia.
This new platform allows members and employers to conveniently access EPF services and communicate faster, anytime and anywhere.

中文版本

图画版本

🔑 Key Features of WhatsApp KWSPMalaysia

1️⃣ Guided Menu (24/7 AI Service)

  • Simply type “Hi” to access the menu.

  • Browse and quickly find topics related to EPF products and services.

2️⃣ AI Response

  • Type your question and get instant automated replies.

  • Covers common inquiries such as contributions, withdrawals, and application status updates.

3️⃣ Live Chat with Advisors

  • Available Monday to Friday, 8:30 AM – 4:30 PM

  • Not available on weekends and national / Selangor public holidays.

  • Connect directly to a live advisor for more in-depth assistance.

 Safety & Verification
To ensure you’re interacting with EPF’s official channel, always check:

  • Official Number: 03-8922 6000

  • Verified Badge on the WhatsApp account

⚠️ Reminder: EPF will never request sensitive information such as passwords or banking details via WhatsApp.

 Why This Matters
Through WhatsApp KWSPMalaysia, both members and employers can:

  • Quickly access general EPF service information (e.g., contributions, withdrawals).

  • Track application statuses (e.g., registration, nomination, withdrawal).

  • Communicate securely without risk of data leakage.

 How to Get Started

  1. Visit the EPF official website or log in to KWSP i-Akaun (web or app).

  2. Click the WhatsApp icon, scan the QR code, or select “Start Chat”.

  3. Type “Hi” to launch the AI-guided menu and start your conversation.

 Quick Tips
✔️ Save the official number 03-8922 6000 in your contacts to avoid scam numbers.
✔️ Use the guided menu to quickly find the information you need.
✔️ For complex issues, connect directly with a live advisor to save time.

📞 Need professional support for corporate compliance, accounting, or tax matters?
Contact our team today for expert guidance.

COMPANY SECRETARY DEPARTMENT

Company Secretary Assistant 

Job Vacancy (14)

Job Requirements  

  • Minimum grad at  Diploma in Corporate Law or related field 

  • Minimum 1-3 years of working experience  in corporations or firms.

  • Possess good interpersonal, communication skills and report writing skills and ability to work independently with minimum supervision.

Job Responsibilities  

  • Handle formation of new Company.

  • Prepare, update and maintain minutes, resolutions and statutory documents.

  • To monitor and ensure statutory records or registers are properly kept and updated.

  • To follow up and ensure all statutory forms and returns are lodged with the Companies Commission of Malaysia within the stipulated deadlines.

  • To send reminders and correspondence to clients for any changes and any compliance issue.

  • Liaise with regulatory bodies and relevant authorities and authorities and advisors such as Companies Commission of Malaysia, lawyers, auditors etc.

  • Other related tasks and duties.


Benefits 

  • Quarterly salary increment based on performance

  • Flexible working hours.

  • Monthly Outdoor/Indoor Activity.

  • Medical allowance

  • 5 working days a week

  • Exam & Study Leave

  • Annual Company Trip

SEND YOUR RESUME to hr@yourhba.com


INTERNSHIP

STEP TO APPLY INTERNSHIP:

Kindly send us following documents to hr@yourhba.com for better arrangement:

1. Resume 2. Duration of Internship 3. Living Address (can include in resume) 4. Internship Letter from Uni 5. Transcript from Semester 1 to latest Semester


INTERNSHIP AVAILABLE IN:

1.  Accounting Department

2. Tax Department 

3. Marketing/Admin Department

4. Company Secretary Department


TESTIMONIAL

Screenshot 2025-11-07 145657

SALES DEPARTMENT

Client Success Executive

Job Requirements

  • 拥有良好的沟通与客户服务能力。

  • 熟悉华语、英语和马来文沟通。

  • 对会计、税务或财务咨询领域有兴趣者优先。

  • 良好的销售与谈判能力,乐于学习。

  • 至少毕业于 Diploma in Accounting、Finance 或相关专业。

Job Responsibilities

  • 与潜在客户沟通,了解他们的财务、税务或会计需求。

  • 通过公司提供的潜在客户名单(Leads),安排顾问咨询或线上会议。

  • 协助客户了解服务方案并完成配对与签约流程。

  • 跟进客户关系,维持长期合作与满意度。

  • 分析客户需求并提供合适的专业解决方案。

Benefits

  • 底薪 + 高额佣金 + 绩效奖励(收入无上限)

  • 公司提供潜在客户资源,无需开发Cold Market

  • 完整培训系统(产品知识、沟通技巧、成交方法)

  • 3个月一次表现评估与加薪机会

  • 5天工作制,Flexible Working Hours

  • EPF、EIS 和 SOCSO

  • 学习假 & 考试假 & 医药津贴

  • 年假 & 病假

  • 每月团队活动与年度公司旅行(曾前往台湾、日本,下一站澳洲)

赶快发送你的Resume 👉hr@yourhba.com!

名额有限,但舞台很大。等你来发光 ✨

TAX DEPARTMENT

CURRENTLY NO VACANCY