CGC
Credit Guarantee Corporation
The oldest SME loan guarantee body in Malaysia. Provides a partial guarantee so banks can lend to SMEs with lighter collateral.
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Government-backed schemes
When your file needs a guarantee behind it.
Malaysia has several government-backed schemes designed to unlock SME financing that banks would otherwise decline. Used correctly, they turn a borderline case into an approval.
Banks lend against risk. When your collateral is thin, your track record is short, or your sector is deemed riskier than average, a credit officer needs a reason to say yes.
Government-backed schemes give banks that reason. A guarantee, a subsidy, or a risk-share arrangement shifts part of the exposure off the bank’s balance sheet — and onto a party that was created specifically to support SMEs.
The catch: each scheme has its own eligibility rules, allocation cycles, and participating banks. What qualifies one quarter may not qualify the next. Below are the schemes we work with most often — talk to us to confirm current status before relying on any of them.
Schemes we work with
A plain-English overview.
SJPP
Syarikat Jaminan Pembiayaan Perniagaan
Government-linked guarantee company offering targeted schemes — working capital, Bumiputera SMEs, specific sectors, and more.
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HTG
High-Tech & Green financing
For SMEs in technology, innovation, or environmentally-focused sectors. Preferential terms when your business qualifies.
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Agrofood
Agrofood Financing
Schemes designed specifically for the agriculture and food value chain — farmers, processors, distributors, exporters.
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AES
Automation & Export Scheme
For SMEs investing in automation, capacity expansion, or export-driven growth. Often matched with term-loan structures.
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Not sure which scheme fits your business?
WhatsApp us with a short description of your business. In most cases we can tell you within one conversation which scheme — if any — is worth pursuing for your case.