Working Capital Guarantee Scheme/-i (WCGS/-i)

To provide viable SME companies from all sectors access to financing facilities with guarantee coverage by the Malaysian Government. The scheme is managed by Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP) as the administrator of the scheme.


  • To meet requirements for working capital and capital expense (CAPEX) related to business
  • Not for refinancing of existing credit facilities


  • Opened from 1st January 2016 and upon full utilisation of the WCGS fund of RM17.5 billion only or upon expiry of guarantee tenure on 31st December 2035, whichever is earlier.


  • Up to seventeen (17) years or until 31 December 2025, whichever is earlier.

Financing Limit

  • Minimum: RM100,000
  • Maximum: Aggregate financing of RM10.0 million per company


  • SMEs companies across all sectors incorporated under the Companies Act 1965 with at least 51% shares held by Malaysian and shareholders’ fund of less than RM20.0 million

Guarantee Coverage & Fee

Guarantee Coverage

70% guarantee on the approved financing amount by the Government of Malaysia

Guarantee Fee

1.0 % per annum payable upfront

2% Interest/Profit Rate Rebate

Eligibility Criteria Malaysian SMEs involved in export activities only.
• SME companies which are export oriented (with at least 50% of the turnover are for exports) and incorporated under the Companies Act 1965 with at least 51% shares held by Malaysian and shareholders’ fund below RM20.0 million.
Overall Financing • Rebate is limited to a total accumulated funding of RM1 billion for a period of 5 years.
Eligibility Period for Interest / Profit Rate Rebate Up to 5 years from the date of first disbursement or until the facility is fully repaid / terminated / recall or terminated due to non-utilization of the facilities, whichever is earlier, not later than 31 December 2025.
• SMEs may obtain financing for a period exceeding 5 years, however there will be no payment of 2% rebate beyond the expiry of 5 years financing.
• Financing that turns non-performing loan will not be eligible for the 2% rebate. However, the 2% rebate will be reinstated in the current month of regularisation.
Tax exemption • The interest / profit rate rebate (subsidy) provided is tax exempted.
Payment Period • The interest / profit rate rebate shall be made available for payment for a period of five (5) years commencing 1 June 2017 or upon full utilisation of the rebate funding, whichever is earlier

Contact Us

Got a question? Call our Customer Care hotline at 1-300-88 6688 or email