General Features
Objective
CGC guarantee provides an alternative collateral solution for SMEs that lacks in collateral or unable to provide any collateral, which enables businesses to obtain financing according to the viability of the SME business.
Note: These are general features of CGC Guarantee Schemes. For details on each specific scheme, please refer to CGC's website.
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CGC guarantee provides an alternative collateral solution for SMEs that lacks in collateral or unable to provide any collateral, which enables businesses to obtain financing according to the viability of the SME business.
Note: These are general features of CGC Guarantee Schemes. For details on each specific scheme, please refer to CGC's website.
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Financing Purpose
- Working capital financing
- Capital expenditure (CAPEX) financing
CGC Guarantee Schemes do not provide any guarantee coverage for refinancing of existing credit facilities applications.
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- Working capital financing
- Capital expenditure (CAPEX) financing
CGC Guarantee Schemes do not provide any guarantee coverage for refinancing of existing credit facilities applications.
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Facility Type
- Term Loan
- Overdraft
- Revolving Credit
- Trade
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- 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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Up to BLR + 2.0% p.a. (depending on financing purpose and credit facility type)
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Financing Limit
Depending on guarantee scheme – from RM 100,000 up to RM 10 Mil1
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Depending on guarantee scheme – from RM 100,000 up to RM 10 Mil1
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Guarantee Coverage
Between 30% to 90%, subject to the following:
- Unsecured Portion - Up to 80% (a maximum cover of RM3 Million)
- Secured Portion - Up to 90% (no capping imposed on secured portion)
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Between 30% to 90%, subject to the following:
- Unsecured Portion - Up to 80% (a maximum cover of RM3 Million)
- Secured Portion - Up to 90% (no capping imposed on secured portion)
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Guarantee Fee
Fee ranges between 2.1% up to 5.0% per annum against the guarantee coverage amount depending on the CGC Guarantee Scheme, secured and unsecured portion of the financing and business risk profile.
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Fee ranges between 2.1% up to 5.0% per annum against the guarantee coverage amount depending on the CGC Guarantee Scheme, secured and unsecured portion of the financing and business risk profile.
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1 Financing limit is subject to CGC's internal limit capping
Note: The final approval on financing and guarantee granted is subject to Bank and CGC 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.
CGC BizJamin Scheme
For SMEs that lacks collateral and / or require alternative collateral solutions to increase financing access from the Bank
Guarantee for financing granted under BNM's Fund for SMEs - All Economic Sectors (AES) facility
CGC Disaster Relief Facility (DRF)
Guarantee for financing granted under BNM's Fund for SMEs – Disaster Relief Facility (DRF)
Note: The final approval on financing and guarantee granted is subject to Bank and CGC 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.
