Working Capital Guarantee Scheme by SJPP

Offers flexible financing on working capital and capital expenditure

  • Available in Term Loan/Term Financing-i and/or Overdraft/Cashline-i
  • Up to RM2 million loan/financing limit with competitive rate
  • Up to 7 years loan/financing tenure with no lock in period

Eligibility:

  • SME profile, i.e. sole-proprietor, partnership, private limited company
  • Business registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding
  • Business in operation for ≥ 3 years
  • Key person age shall be between 25 to 65 years old

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SME Portfolio Guarantee

A flexible working capital loan/financing to help you better manage your daily financial needs.

  • Up to RM1 million loan/financing limit with competitive rate
  • Up to 7 years loan/financing tenure with no lock in period
  • NO collateral required

Eligibility:

  • A business entity of Sole Proprietorship, Partnership, or Private Limited Company
  • SMEs per National SME Development Council’s (NSDC) definition
  • Business registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding
  • Business has been in operations for at least THREE (3) years

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Commercial Property Loan/Financing-i

A commercial property loan/financing that offers long-term financing for the purchase of completed or under-construction commercial and industrial properties. The facility is also made available to refinance completed properties and remortgage of properties that are free from encumbrances (cash-out).

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Overdraft/Cashline-i

Your business needs working capital for the day-to-day cashflow. Overdraft/Cashline-i facility provides the most convenient and flexible form of financing.

Features

  • It is a revolving facility made available via a current account where you can use any amount up to the approved facility limit for any purpose.
  • Interest/profit is calculated on a daily basis and charged only on the amount used.

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Equipment Financing

Purchasing an industrial equipment or machinery? Ease your cashflow by amortising your equipment’s purchase price over a period of up to 5 years.

Benefits

  • High margin of financing
  • Longer repayment period of up to 5 years
  • Tailored to your financing needs.
  • Competitive rates.

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