Conventional Schemes

Eligibility Criteria

• A company registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding.
• Meet the SME Corporation Malaysia’s definition of an SME (for details, please click here).

Maximum Loan Limit

Loan of up to RM15.0 million

Credit Facilities Covered

• Term Loan
• Overdraft
• Letter of Credit
• Trust Receipt
• Bills Purchased
• Bank Guarantee
• Export Credit Refinancing (ECR)
• Banker’s Acceptance
• Shipping Guarantee
• Hire Purchase
• Leasing
• Any other credit facilities determined from time to time by CGC

Interest Rate

The annual interest rate is up to 2% above the Base Lending Rate (BLR) of the financial institutions.
*Financial institutions are free to quote the interest rate if the guarantee cover is 50% or less.

Participating Financial Institutions

Participating Development Financial Institutions (DFIs) and Commercial Banks

Guarantee Coverage

CGC guarantee coverage ranges between 30% and 90% subject to the following:-

• Unsecured Portion – Up to 80% (a maximum cover of RM5.0 million)
• Secured Portion – Up to 90% (no capping imposed on secured portion)

Guarantee Fee

• Unsecured Portion – 0.75% to 4.00% per annum
• Secured Portion – 0.50% to 3.20% per annum

SMEs with higher risk profiles will be charged higher guarantee fees, whereas SMEs with lower risk profiles will be charged lower guarantee fees. The range observed is to match the borrower’s credibility in terms of risk rating with the pricing of the guarantee.

i) Payment of Guarantee Fee

• New Letter of Guarantee (LG) – Payable upon request for LG by Financial Institution but subject always to full payment of the Guarantee Fee
• Anniversary LG – Payable on or before LG anniversary date, together with the annual Guarantee Fee

ii) Refund of Guarantee Fee

• Refund of Guarantee Fee will be pro-rated on monthly basis and applicable for LG cancelled or amended by CGC based on the unutilised period of the LG.
• The utilised period is calculated from the month of LG/anniversary LG until the month of receipt of cancellation/ approval of amendment by CGC.

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Eligibility Criteria

• A company registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding owned by Bumiputera.
• Meet the SME Corporation Malaysia’s definition of an SME (for details, please click here).

Maximum Loan Limit

Loan of up to RM15.0 million

Credit Facilities Covered

• Term Loan
• Overdraft
• Letter of Credit
• Trust Receipt
• Bills Purchased
• Bank Guarantee
• Export Credit Refinancing (ECR)
• Banker’s Acceptance
• Shipping Guarantee
• Hire Purchase
• Leasing
• Any other credit facilities determined from time to time by CGC

Interest Rate

The annual interest rate is up to 2% above the Base Lending Rate (BLR) of the financial institutions.
*Financial institutions are free to quote the interest rate if the guarantee cover is 50% or less.

Participating Financial Institutions

Participating Development Financial Institutions (DFIs) and Commercial Banks

Guarantee Coverage

The guarantee coverage ranges between 30% and 90% with multiple of 5% subject to the following:-

• Unsecured Portion – Up to 90% (a maximum cover of RM5.0 million)
• Secured Portion – Up to 90% (no capping imposed on secured portion)

Guarantee Fee

• Unsecured Portion – 0.75% to 4.00% per annum
• Secured Portion – 0.50% to 3.20% per annum

SMEs with higher risk profiles will be charged higher guarantee fees, whereas SMEs with lower risk profiles will be charged lower guarantee fees. The range observed is to match the borrower’s credibility in terms of risk rating with the pricing of the guarantee.

i) Payment of Guarantee Fee

• New Letter of Guarantee (LG) – Payable upon request for LG by Financial Institution but subject always to full payment of the Guarantee Fee
• Anniversary LG – Payable on or before LG anniversary date, together with the annual Guarantee Fee

ii) Refund of Guarantee Fee

• Refund of Guarantee Fee will be pro-rated on monthly basis and applicable for LG cancelled or amended by CGC based on the unutilised period of the LG.
• The utilised period is calculated from the month of LG/anniversary LG until the month of receipt of cancellation/ approval of amendment by CGC.

Leave your contact details here and we will get back to you.

Eligibility Criteria

• A company registered and operating in Malaysia, Malaysian-shareholder(s) must have a minimum of 30% shareholding in the company and is/ are the guarantor(s).
• Meet the SME Corporation Malaysia’s definition of an SME (for details, please click here).

Maximum Loan Limit

Loan of up to RM15.0 million

Credit Facilities Covered

• Term Loan
• Overdraft
• Letter of Credit
• Trust Receipt
• Bills Purchased
• Bank Guarantee
• Export Credit Refinancing (ECR)
• Banker’s Acceptance
• Shipping Guarantee
• Hire Purchase
• Leasing
• Any other credit facilities determined from time to time by CGC

Interest Rate

The annual interest rate is up to 2% above the Base Lending Rate (BLR) of the financial institutions.

Participating Financial Institutions

Participating Development Financial Institutions (DFIs) and Commercial Banks

Guarantee Coverage

CGC guarantee coverage ranges between 50% and 70% subject to the following:-

• Unsecured Portion – Up to 70% (a maximum cover of RM5.0 million)
• Secured Portion – Up to 70% (no capping imposed on secured portion)

Guarantee Fee

• Unsecured Portion – 1.00% to 4.00% per annum
• Secured Portion – 0.75% to 3.20% per annum

SMEs with higher risk profiles will be charged higher guarantee fees, whereas SMEs with lower risk profiles will be charged lower guarantee fees. The range observed is to match the borrower’s credibility in terms of risk rating with the pricing of the guarantee.

i) Payment of Guarantee Fee

• New Letter of Guarantee (LG) – Payable upon request for LG by Financial Institution but subject always to full payment of the Guarantee Fee
• Anniversary LG – Payable on or before LG anniversary date, together with the annual Guarantee Fee

ii) Refund of Guarantee Fee

• Refund of Guarantee Fee will be pro-rated on monthly basis and applicable for LG cancelled or amended by CGC based on the unutilised period of the LG.
• The utilised period is calculated from the month of LG/anniversary LG until the month of receipt of cancellation/ approval of amendment by CGC.

Leave your contact details here and we will get back to you.

Eligibility Criteria

• A business registered in Malaysia, Malaysian-controlled and Malaysian-owned with at least 51% shareholding.
• Meets the SME Corporation Malaysia’s definition of an MSME (for details, please click here).
• Business must be registered with the Companies Commission of Malaysia (Suruhanjaya Syarikat Malaysia) or authorities/district offices in Sabah and Sarawak or statutory bodies for professional service providers.

Maximum Loan Limit

• Loan of up to RM5.0 million

Maximum Loan Tenure

• Up to FIFTEEN (15) years

Type of Loan Facilities

• Term Loan
• Overdraft
• Letter of Credit or Trust Receipt
• Bills Purchased
• Bank Guarantee
• Export Credit Refinancing (ECR)
• Banker’s Acceptance
• Shipping Guarantee
• Hire Purchase
• Leasing
• Invoice Financing
• Any other credit facilities determined from time to time by CGC.

Purpose of Loan

• Working capital; and/or
• Asset acquisition; and/or
• Financing operations cost; and/or
• Renovation cost (reimbursement basis); and/or
• Refinancing

Interest Rate

• The annual interest rate is up to 2% above the Base Lending Rate (BLR) of the Financial Institutions.

*Financial Institutions are free to quote the interest rate if the guarantee cover is 50% or less.

Participating Financial Institutions

• Participating Development Financial Institutions (DFIs) and Commercial Banks

Guarantee Cover

• CGC guarantee cover ranges between 30% and 80%, or up to RM5.0 million, whichever is lower.

Guarantee Fee

• Unsecured Portion – 0.75% to 4.00% per annum
• Secured Portion – 0.50% to 3.20% per annum

MSMEs with higher risk profiles will be charged higher guarantee fees, whereas MSMEs with lower risk profiles will be charged lower guarantee fees. The range observed is to match the borrower’s credibility in terms of risk rating with the pricing of the guarantee.

i.   Payment of Guarantee Fee

• New Letter of Guarantee (LG) – Payable upon request for LG by Financial Institution but subject always to full payment of the Guarantee Fee.
• Anniversary LG – Payable on or before LG anniversary date, together with the annual Guarantee Fee.

ii.   Refund of Guarantee Fee

• Refund of Guarantee Fee will be pro-rated on monthly basis and applicable for LG terminated or amended by CGC based on the unutilised period of the LG.
• The utilised period is calculated from the month of LG / Anniversary LG until the month of receipt of termination / approval of amendment by CGC.

Leave your contact details here and we will get back to you.