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Features & Benefits

Government Guarantee
Low Guarantee Fee
Financing Amount
Long Payment 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
  • Financing is applicable for Working Capital and Capital Expenditure (CAPEX) and cannot be used for refinancing of existing facilities granted by the same or other banks
  • The minimum financing amount is RM100,000.00 and the maximum financing amount is RM10 million
  • Available until the scheme limit of RM17.5 billion is fully utilised, or upon expiry of guarantee on 31 December 2035, whichever is earlier
  • Eligible SME companies which are export-oriented, with at least 50% of the turnover are for exports, will enjoy a 2% rebate on the profit rate charged by the financial institution. The SJPP rebate is valid until May 2022. Please visit www.sjpp.com.my for further details of the rebate

Note: Terms and conditions apply.