Working Capital Guarantee Scheme

Enable SMEs to access financing facilities from financial institutions.


  • Low Fees

    Low collateral cost with annual guarantee fee of 1% per annum.

  • Guarantee Coverage

    70% guarantee coverage

    of financing facility.

  • Ample Financing Tenure

    Available until 31 December 2030

Working Capital Guarantee Scheme


  • Open to all SMEs

    incorporated in


  • Shareholder’s Fund

    not exceeding

    RM20 million.

  • 51% of company

    shares are



  • Company write-up.

  • Certified true copy of Form 24, 44 & 49 and Memorandum & Articles of Association.

  • Certified true copy of 3 years' Audited Accounts (not more than 18 months old from the application date) and latest Management / Draft Accounts (not more than 12 months old from the application date).

  • Top 3 suppliers and buyers.

  • Latest debtors and creditors ageing reports.

  • Existing bankers and banking facilities.

  • Latest 6 months’ Current Account statements with all banks.

  • Projected Profit & Loss Accounts & Cash Flow Projection for 2 years.

  • Information on net worth such as reported income, FD receipts, Borang BE etc.

  • Information on directors / shareholders / partners / prime mover's net worth.

  • Lists of completed projects, projects in-hand (inclusive of project tenure and % of completion) and projects tendered (if applicable).

  • Photocopy of property title / Valuation Report / Sale & Purchase Agreement.

  • Duly completed application form / Letter of Application.

  • Any other documents required by the Bank.


Up to BLR/BFR + Attractive Interest/Profit Rate


Subject to customer’s acceptance and compliance of all documentation.

*Terms and conditions apply.