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| Credit Enhancer Scheme |
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| Objective: |
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The objective of the Credit Enhancer Scheme or Enhancer is to assist entrepreneurs who have viable projects but lack the collateral to obtain the required financing amount from Financing Institutions.
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| Eligible Borrowers: |
- Malaysian-controlled or Malaysian-owned businesses.
- A company based on SME definitions as below:
- The matrix for approved definitions is based on the number of full-time employees, as per the following table:
New SME Definitions Based on Number of Full-Time Employees
| Size |
Sector |
| Primary Agriculture |
Manufacturing (Including Agro-based) & MRS |
Services Sector (+ICT) & Mining & Quarrying & Construction |
| Micro |
Less than 5 employees |
Less than 5 employees |
Less than 5 employees |
| Small |
Between 5 & 19 employees |
Between 5 & 50 employees |
Between 5 & 19 employees |
| Medium |
Between 20 & 50 employees |
Between 51 & 150 employees |
Between 20 & 50 employees |
OR
- The classification of economic activities based on annual sales turnover, as per following table:
New SME Definitions Based on Number of Full-Time Employees
| Size |
Sector |
| Primary Agriculture |
Manufacturing (Including Agro-based) & MRS |
Services Sector (+ICT) & Mining & Quarrying & Construction |
| Micro |
Less than RM200,000 |
Less than RM250,000 |
Less than RM200,000 |
| Small |
Between RM200,000 & less than RM1 Million |
Between RM250,000 & less than RM10 Million |
Between RM200,000 & less than RM1 Million |
| Medium |
Between RM1 Million & RM5 Million |
Between RM10 Million & RM25 Million |
Between RM1 Million & RM5 Million |
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