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Features & Benefits

Government Guarantee
Low Guarantee Fee
Financing Amount
Long Repayment Tenure
Various Financing Facilities

Eligibility & Requirements

  • Applicable for SMEs in all sectors with at least 51% shares held and controlled by Malaysian
  • SMEs must be registered under the Registrar of Business Act (1956); or the Companies Act (1965 or 2016); or Limited Liability Partnership Act 2012; or Sabah and Sarawak local authorities and district offices; or statutory bodies that provide professional services
  • Companies must be categorised as SME by SME Corp Malaysia and certified by the National Entrepreneur and SME Development Council
  • The facility shall only be used for working capital and/or capital expenditure for new and additional facilities. The facility cannot be used for refinancing of existing facilities granted by the same or other banks
  • Available from 1 February 2020 until expiry of the guarantee tenure on 31 December 2035, or upon full utilisation of the scheme limit of RM3 billion, whichever is earlier
  • The minimum financing amount is RM100,000.00 and the maximum financing amount is RM10 million
  • Financing tenure shall be up to 16 years or until 31 December 2035, whichever is earlier
  • Guarantee fee of 0.75% per annum is payable upfront
  • Eligible SME companies which are export-oriented with at least 50% of turnover are for exports will enjoy a 2% rebate on the interest rate charged by the financial institution. The SJPP rebate is valid until May 2022. Please visit www.sjpp.com.my for further details on the rebate.

Note: Terms and conditions apply.