Syarikat Jaminan Pembiayaan Perniagaan (SJPP) Guarantee Schemes

Government Guarantee Scheme MADANI (GGSM)

This scheme aims to provide financing assistance to Small and Medium Enterprises (SMEs) and Mid-Size Companies (MSCs) by providing Government guarantees for financing in all economic sectors with focus on four (4) sectors:

  • High Technology
  • Agriculture
  • Manufacturing
  • Tourism

Eligibility:

  • Private Limited SMEs and Mid-Size Companies (MSCs) in all industries with annual review of not more than RM500 million based on their audited accounts for any of the financial year ending 2019 or later
  • Companies with at least 51% shares held and controlled by Malaysian citizens

Maximum Loan Amount:

Up to RM30 million per company for the four (4) sectors below:

  • High Technology
  • Agriculture
  • Manufacturing
  • Tourism

Up to RM20 million per company for all other sectors

Group Exposure Limit:

Aggregate group limit of up to RM50 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Interest Rate:

Up to 2% above the Base Lending Rate (BLR) of AmBank

Guarantee Coverage:

  • Up to 90% coverage for companies in the 4 focus sectors capped at RM10 million per company
  • Up to 80% for all other sectors

Guarantee Fee:

  • 4 focus sectors: 0.75% per annum, payable upfront
  • All other sectors: 1% per annum, payable upfront
​​​​​

Working Capital Guarantee Scheme (WCGS)

Eligibility:

Malaysian SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian citizens
  • Private limited, sole proprietorship, or partnership

Maximum Loan Amount:

Up to RM10million

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

70% guarantee coverage

Guarantee Fee:

1% per annum, payable upfront​​


Working Capital Guarantee Scheme – Bumiputera (WCGS-Bumi)

Eligibility:

Malaysian SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian citizens
  • Private limited, sole proprietorship, or partnership

Maximum Loan Amount:

Up to RM3million

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

80% guarantee coverage

Guarantee Fee:

0.75% per annum, payable upfront​​​​


Working Capital Guarantee Scheme – Women (WCGS-Women)

Eligibility:

Malaysian SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian women citizens
  • Private limited, sole proprietorship, or partnership

Maximum Loan Amount:

Up to RM1million

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

80% guarantee coverage

Guarantee Fee:

0.75% per annum, payable upfront​​​​


Working Capital Guarantee Scheme – Export (WCGS-Export)

Eligibility:

Malaysian SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian citizens
  • Private limited, sole proprietorship, or partnership
  • Thirty percent (30%) of business turnover is export based

Maximum Loan Amount:

Up to RM10million

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

80% guarantee coverage

Guarantee Fee:

0.75% per annum, payable upfront​​​​


Working Capital Guarantee Scheme – Start Up (WCGS-SU)

Eligibility:

Malaysian Start-up SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian citizens
  • Private limited, sole proprietorship, or partnership
  • Businesses must be in operation for a minimum of six (6) months and maximum two (2) years

Maximum Loan Amount:

Up to RM500,000

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)

Type of Facility:

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

70% guarantee coverage

Guarantee Fee:

0.75% per annum, payable upfront​​
​​

Automation & Digital Guarantee Scheme (ADGS)

Eligibility:

Malaysian SMEs that fulfil the following criteria:

  • At least 51% shares held and controlled by Malaysian citizens
  • Private limited, sole proprietorship, or partnership

Maximum Loan Amount:

Up to RM10million

Group Exposure Limit:

Aggregate group limit of up to RM10 million for all schemes under SJPP

Purpose of Financing:

  • Working Capital
  • Capital Expenses (CAPEX)
​

Type of Facility:​

  • Term Loan
  • Overdraft
  • Trade Facility

Guarantee Coverage:

80% guarantee coverage

Guarantee Fee:

0.75% per annum, payable upfront​​​