SJPP Schemes – SME Working Capital Financing / -i

Non-collateral financing in form of overdraft, term loan and tradelines.

Who Can Apply

  • SME companies across all sectors with at least 51% shares held by Malaysian
  • Sole-Proprietorship – Malaysian owned
  • Partnership – Malaysian owned
  • Respective authorities or district offices in Sabah and Sarawak
  • Respective statutory bodies for professional services providers



Guarantee Schemes

  • Working Capital Guarantee Scheme /-i
  • Automation Process Guarantee Scheme/-i

Guarantee Tenure

  • Up to 31 December 2035

Guarantee Coverage

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

Guarantee Fee

  • 1.0% per annum payable upfront (for Bumiputera SME companies is 0.75% per annum payable upfront)
  • Minimum of RM1,000 (for Bumiputera SME companies is RM500)

Availability Period

Opened until 31 December 2035 or upon full utilization of  SJPP’s fund, whichever is earlier

Purpose of Financing

  • Working Capital
  • Capital Expense (CAPEX)
  • Not for refinancing of existing credit facilities

Type of Facility

  • Overdraft / Cash Line-i
  • Term Loan / Term Financing-i
  • Tradelines / -i: In form of Letter of Credit (LC)/ Trust Receipt (TR)/ Invoice Financing (IF)/ Bank Guarantee (BG)

Loan / Financing Quantum

  • Minimum of RM100,000
  • Maximum up to RM10,000,000 aggregate financing per borrower

2% Interest/Profit Rebate - Eligibility Criteria

  • Malaysian SMEs / Partnership / Sole-Proprietorship involved in export activities only
  • SME companies which export oriented (with at least 50% of the turnover are  for  exports)

More Info

Click here for SJPP Schemes - SME Working Capital Financing Product Disclosure Sheet

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