General Features
Objective
Government Guarantee Schemes are the alternative solution for SMEs to obtain financing facilities without the need of providing collateral.
Note: These are general features of Government Guarantee Schemes. For details on each specific scheme, please refer to SJPP's website.
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Financing Purpose
- Working capital financing
- Capital expenditure (CAPEX) financing
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Facility Type
- Term Loan
- Overdraft
- Revolving Credit
- Trade
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Financing Rate
Up to BLR + 2.0% p.a. (depending on financing purpose and credit facility type)
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Financing Limit
Up to RM 20 Mil¹
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Guarantee Coverage
Up to 80%
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Guarantee Fee
Up to 1% p.a. payable upfront
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1 Subject to SJPP's aggregate group limit for all schemes under SJPP. Group is defined as companies under the same group by way of shareholding (holding 50% or more), directors (providing guarantees), related guarantors, and including Related Parties.
Note: The final approval on financing and guarantee granted is subject to Bank and SJPP credit assessment and discretion.
Customers who are interested can apply for this guarantee scheme through our Relationship Managers.
Alternatively, you can leave your contact details by clicking on the I’m Interested button and our Relationship Managers will reach out to you.
SJPP Government Guarantee Scheme MADANI 2026
To provide financing assistance to Micro, Small and Medium Enterprises (MSME) and Mid-Tier Companies (MTC) for working capital and capital expenditure financing.
SJPP Penjana Tourism Financing Guarantee Scheme (PTF)
For SMEs in the core tourism and tourism related sectors impacted by the COVID-19 outbreak that are obtaining financing under the PENJANA Tourism Financing Package.
SJPP Working Capital Guarantee Scheme 2 (WCGS 2)
To assist viable SMEs in all sectors to gain access to working capital and capital expenditure financing.
Note: The final approval on financing and guarantee granted is subject to Bank and SJPP credit assessment and discretion.
Customers who are interested can apply for this guarantee scheme through our Relationship Managers.
Alternatively, you can leave your contact details by clicking on the I’m Interested button and our Relationship Managers will reach out to you.
