Government Guarantee Scheme MADANI (GGSM)

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

  • Green Economy
  • Halal
  • Healthcare
  • High Technology

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

  • Green Economy
  • Halal
  • Healthcare
  • High Technology

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

 

Guarantee Coverage:

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​​

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