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CGC Scheme - BizJamin / -i & Flexi Guarantee Scheme / -i

Assisting entrepreneurs with viable projects but lacking collateral to obtain financing from Bank.

Who Can Apply


  • Malaysian controlled or Malaysian-owned businesses
  • A business enterprise based on the SME definition by BNM

Purpose of Financing


  • Working Capital
  • CAPEX Financing

Types of Facility


  • Term Loan (TL) / Commodity Murabahah Term Financing-i (CMTF-i)
  • Overdraft (OD) / Cash Line-i (CL-i)
  • Tradelines / Tradelines-i

Loan / Financing Quantum


  • RM50,000 to RM5.0 million

Guarantee Coverage


  • Ranging from 30% to 80% on unsecured portion with maximum cover of up to RM3.0 million.
  • Ranging from 30% to 90% on secured portion with no maximum capping.


Duration of Guarantee Cover (BizJamin)

  • For TL / CMTF-i, the Guarantee Cover shall remain in force up to the maturity date of the facilities.
  • For OD / CL-i  the guarantee cover shall be for a maximum of two (2) years from the date of the Letter of Guarantee and is subject to periodical review.


Duration of Guarantee Cover (FGS)

  • Guarantee cover is not required to be reviewed/renew
  • The tenure of Letter of Guarantee is to follow BNM fund


Guarantee Fee (BizJamin)

  • Unsecured portion: 2.40% - 4.00%
  • Secured portion: 2.1% - 3.20%

Security Requirement


  • Joint and Several Guarantee of all the directors (applicable to Sdn Bhd)
  • Corporate Guarantee to be obtained from parent company (if applicable)
  • CGC guarantee

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