- Constituent documents for companies/businesses.
- Photocopy of NRIC of directors/guarantors/sole proprietor/partners.
- Bank statements for the past 6 months.
- Financials or Management Accounts.
CREDIT GUARANTEE CORPORATION (CGC) GUARANTEE SCHEME
Guarantee coverage schemes for SMEs. Partially secured or collateral-free financing
Guarantee coverage schemes to support viable SMEs for partially secured or collateral-free financings.
Features and Benefits

Financing of up to RM1 million

Partial secured or collateral-free financing

Payment period of up to 10 years
Before you apply
Eligibility requirements
Business registration
Must be an SME*.
Business ownership
Must be a Malaysian-owned and controlled business, with at least 51% shareholding.
Partnership and Private Limited Companies may apply.
Terms and conditions
Submission
All required forms and supporting documents must be duly completed and submitted.
Approval
All financings are subject to satisfactory assessment by the Bank.
Subject to CGC credit evaluation approval.
or call us at +603 8314 9090
Operating hours are from 9am to 6pm, Monday to Friday (Excluding public holidays)
FAQ
What documents are required?
How much is the guarantee fee?
Guarantee Fee on unsecured portion:
- BizJamin-i 50 - Fee paid by the Bank ranges from 0.75% to 4.00% per annum.
- BizJamin-i 70 - Fee paid by the Customer ranges from 0.75% to 4.00% per annum.
Can I refinance my existing financing facilities under the new CGC scheme?
No. Refinancing of existing facilities is not allowed.
OTHER PRODUCTS YOU MAY LIKE
Business Cash-i
Fulfil your cash flow needs or implement your business expansion plans with our hassle-free financing.
Cash Line Facility-i
A revolving short-term financing based on the Shariah concept of Ijarah to support working capital requirements.
Financing to SMEs
Enjoy customisable financial solutions that cater to your business needs.