Need financing for your business?

You are currently running a viable business and require more working capital to grow. Yet, you are unable to secure the necessary financing due to insufficient collateral and lack of track record. At Credit Guarantee Corporation Malaysia Berhad (CGC), we have just the right scheme to assist your business scale new heights.

The ENHANCER DIRECT allows small and medium-sized enterprises (SMEs) like yourself gain access to financing with up to 100% guarantee cover. Apply for the ENHANCER DIRECT at any of our branches nationwide NOW.


Loan of up to RM500,000*
Guarantee coverage of up to 100%*
Avails a comprehensive range of banking products and services
*subject to terms & conditions

Eligibility Criteria

  • Company must be at least 51% Malaysian-owned and controlled business entity;
  • Key Person (Principal Partner/Proprietor) must be aged between 25 years and 65 years at the point of application;
  • The business must be in operation for more than three (3) years;
  • Eligible to Sdn Bhd, Partnership & Sole Proprietorship business entity;
  • SMEs must have good credit track record;
  • Must be an SME as defined.

Type of Facilities

Term Loan.
OD (with sinking funds).
A combination of both.

Maximum Tenure
Up to 5 years

Purpose of Financing
Working Capital and/or
Asset Acquisition

Loan Amount
Minimum of RM50,000.00
Maximum of RM500,000.00

Guarantee Fee
Unsecured portion: 0.75% to 5.75% per annum
Secured portion: 0.50% to 3.60%per annum

Interest Rate
A maximum of BLR + 0%.

Processing Fee
RM300 for each successful application.

Renewal Fee
RM150 for annual renewal of all eligible ENHANCER DIRECT loans.

Application Procedure

  1. Application under ENHANCER DIRECT can be submitted through two (2) easy steps:
  2. Visit the nearest CGC branch to make an application.
  3. Submit the application form together with all relevant supporting documents.
  4. The bank financing your loan will issue the Letter of Offer once your application is approved.
  5. Accept the offer to be a step closer to achieving further business growth.

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