HTG
High Tech & Green Guarantee
A targeted guarantee scheme for SMEs in technology, innovation, and environmentally focused sectors. Preferential terms when your business genuinely qualifies.
What it is
HTG is designed to channel financing into businesses that advance Malaysia’s technology and sustainability agenda. The guarantee structure allows banks to offer preferential terms — higher ceilings, longer tenures, or a cheaper effective cost — that a commercial-only facility wouldn’t stretch to.
Because HTG eligibility hinges on your business nature (not just your numbers), qualification is binary — your company is either genuinely a high-tech or green enterprise as defined, or it isn’t. The wrong framing kills the application before credit looks at your financials.
Participating banks, coverage percentages, and sector definitions evolve. Whether HTG is currently deployable for your case is something we confirm before submission.
Who it’s generally for
- • Technology, software, hardware, and deep-tech SMEs
- • Green economy businesses: renewable energy, efficiency, water, waste, circular
- • Innovation-led manufacturers and service firms with defensible IP
- • SMEs able to evidence their sector classification credibly
Actual eligibility depends on scheme-specific criteria that change over time. Confirm with us before assuming any case qualifies.
How it fits your loan
HTG rewards SMEs that can show their business genuinely fits the high-tech or green definition. The positioning of your application — how your business activity is described, which supporting evidence is used — determines whether credit classifies you correctly. We frame that positioning before the bank sees your file.
How Axion helps with HTG.
We assess whether your case is genuinely a fit before you spend energy on a submission. If it is, we position your file and route it to a bank that actively books this scheme — not a branch that handles it once a year.
Reality check
Not every SME needs a scheme-backed facility. For some cases a vanilla commercial loan approves faster with cleaner terms. We’ll tell you honestly which path is smarter for your situation.