Financing - Guarantee Schemes (CGC)

Government Guarantee Scheme MADANI 2026 (GGSM4)

To provide financing assistance to SMEs by providing Government Guarantees to Bank for the financing provided for all economic sectors.

Eligibility:

SMEs companies from all sectors (definition of SMEs issue by SME Corp Malaysia)
Companies with at least 51% shares held and controlled by Malaysian citizens

Maximum Loan Amount:

Up to RM20 mil per company

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

Guarantee Coverage:

Up to 80% guarantee coverage for following 4 focus sectors:

Bumiputra
Halal
Tourism
Others (inclusive of other focus sector; hightech, manufacturing and agro based businesses)

For all other sectors:

Up to 70% guarantee coverage

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

Government Guarantee Scheme MADANI 2026 (GGSM4)

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

Working Capital Guarantee Scheme (WCGS)

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

Working Capital Guarantee Scheme - Bumiputera (WCGS-Bumi)

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

Working Capital Guarantee Scheme - Women (WCGS-Women)

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

Working Capital Guarantee Scheme – Export (WCGS-Export)

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

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

Eligibility:

Maximum Loan Amount:

Group Exposure Limit:

Purpose of Financing:

Type of Facility:

Guarantee Coverage:

Guarantee Fee:

Credit Guarantee Corporation (CGC)

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