CONVENTIONAL SCHEMES

Enhancer Excel Scheme (ENHANCER EXCEL)

Eligibility Criteria

Malaysian-controlled or Malaysian-owned businesses;
SMEs complying to the following definitions;
The business must be in operation for at least one (1) year. However, the key person must have at least three (3) years experience in similar industry inclusive of the current business.

Type of Financing Facilities

Term Loan (TL) and overdraft (OD).

Financing Amount

Min: RM50,000.00
Max: RM500,000.00

Credit Enhancer Scheme (ENHANCER)

Eligibility Criteria

New businesses are eligible to apply
Malaysian-controlled or Malaysian-owned businesses.
Must fall within the definition of SMEs (for details, please click here).
Borrower must have a good credit record.
Franchise businesses can apply under this scheme.
Maximum Loan Limit

Loan of up to RM10.0 million.

Direct Access Guarantee Scheme Start Up (DAGS Start Up)

Eligible Criteria

Must fall within the definition of SMEs (for details, please click here).
Malaysian owned and controlled private limited companies registered under the Companies Act 1965, Sole Proprietorship or Partnership.
Applicable for business in operations with one (1) year or less only.

Submission Of Loan Guarantee Applications

All loan guarantee applications are to be submitted directly to CGC using a Standard application form accompanied by the necessary documents as per normal loan processing requirement.

Loan Amount And Guarantee Coverage

Loan amount ranging between RM50,000.00 to RM2.0 million.
Guarantee cover is up to 100% and shall be valid up to the maturity date of the loan with a maximum tenure of five (5) years.

Enhancer Bumi Scheme (ENHANCER BUMI)

Eligibility Criteria

New and existing borrower.
Company must be registered in Malaysia.
Eligible to Sdn Bhd, Partnership & Sole Proprietorship business entity.
Must be at least 51% owned by bumiputera (shareholding) & within SME definition.
Guarantee coverage is up to 90% of the unsecured portion

Maximum Loan Limit

Loan of up to RM10.0 million.

ISLAMIC SCHEMES

Credit Enhancer-i Scheme (ENHANCER-i)

Eligibility Criteria

New businesses are eligible to apply
Must fall within the definition of SMEs.
Malaysian-controlled or Malaysian-owned businesses.
No adverse record with CGC or other Financial Institutions or listed under Biro Maklumat Cek, BNM.
All viable business involved in ‘halal’ activities.
Loan Amount and Guarantee Coverage

Financing up to RM10.0 million.

Enhancer Bumi-i (ENHANCER BUMI-i)

Eligibility Criteria

New and existing customer.
Company must be registered in Malaysia.
Eligible to Sdn Bhd, Partnership & Sole Proprietorship business entity.
Must be at least 51% owned by bumiputera (shareholding) & within SME definition.
Guarantee coverage is up to 90% of the unsecured portion
Maximum Financing Limit

Financing of up to RM10.0 million.

GOVERNMENT-FUNDED SCHEMES

Flexi Guarantee Scheme (FGS)

Green Technology Financing Scheme (GTFS) & Green Technology Financing Scheme Islamic (GTFS – i) for Producer

Green Technology Financing Scheme (GTFS) & Green Technology Financing Scheme Islamic (GTFS – i) for User

Franchise Financing Scheme (FFS)

DIRECT FINANCING

Bumiputera Entrepreneur Project Fund-i (TPUB-i)

Eligibility Criteria

Applicant must be a wholly owned (100%) Bumiputera enterprise or is a Bumiputera entrepreneur.
Applicant must have a secured project/contract from government, government agencies, statutory bodies or government-owned companies;

Project / contract secured from private companies (selected) must fulfil the following criteria:-
a. Contract Awarder must have a net shareholders’ fund of at least RM20.0 million;
b. Contract Awarder must be in operations for not less than three (3) years;
c. Contract Awarder has no losses recorded in the last three (3) years.

Applicants are encouraged to be a member of any one of the following trade associations: Dewan Perniagaan Melayu Malaysia (DPMM), PERDASAMA, USAHANITA, Dewan Usahawan Muda Bumiputera and / or other bodies acknowledged by CGC;
Contractors must be registered with CIDB and are not blacklisted by CIDB;
The project / contract must not be financed by any other FIs.

Financing Limit

Up to RM3.0 million for first time applications and up to RM5.0 million for subsequent applications; subject to the following;
For food and catering businesses, financing amount is up to RM750,000.00 only.
For partnership and sole-proprietorship, financing amount is up to RM500,000.00 only.

BizMula-i

Eligibility Criteria

Aged 21 – 58 (at the point of application)
Must be SME per National SME Development Council’s (NSDC) definition.
Business registered in Malaysia and is Malaysian-controlled or Malaysian-owned (at least 51% shareholding)
Business is at least licensed by a local authority
Business has been licensed and/or in operations for less than 3 years
Financing Amount

Min – RM50,000
Max – RM300,000
* Depending on eligibility of each customer

Type of Facility

Term Financing only
* For the purpose of working capital and/ or asset acquisition

BizWanita-i

Eligibility Criteria

Aged 21 – 60 (upon settlement of full instalment payment).
Business meets either one of the “women” definition stipulated in the FAQ section.
Must be SME per National SME Development Council’s (NSDC) definition.
Business registered in Malaysia and is Malaysian-controlled and Malaysian-owned (at least 51% shareholding).
Business is at least licensed by a local authority.
Business has been licensed and/or in operations for any number of years (not confined to any minimum nor maximum number of years).

Financing Amount

Min – RM20,000
Max – RM300,000
* Depending on eligibility of each customer.

Type of Facility

Term Financing only
* For the purpose of working capital and/ or asset acquisition.

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