PEMULIH Government Guarantee Scheme (PGGS)

PEMULIH government guarantee scheme gives financial assistance to SMEs & Mid Size Companies (MSC) in all industries.

Financing Rate
Up to BFR+2%
Financing Size Per SME
Up to to RM20 million
Guarantee coverage by the Government


Government Guarantee
Long Financing Tenure
Restructuring and Rescheduling

Purpose of Financing

  • For New Financing;
  • For restructuring of existing financing facilities; and/ or additional working capital


  • For New Financing: Up to 10 years,
  • For restructuring of existing financing facilities: Minimum 3 years, including a 12-months moratorium,
  • For additional working capital: Up to 10 years.

Eligibility Criteria

  • Open to all entities (SMEs and Mid Size Companies (MSC)) in all industries such as tourism and its related sectors with annual revenue of not more than RM500 million based on their audited accounts (or relevant income tax returns where applicable) for any of the financial year ending 2019 or later,
  • Companies with at least 51% shares held and controlled by Malaysian Citizens.

Type of Facility

  • Term Financing,
  • Mcash (Cashline),
  • Trade Facilities.

Financing Rate

  • Up to BFR+2%

Financing Size Per SME

  • Up to RM20 million


Syarikat Jaminan Pembiayaan Perniagaan Berhad (SJPP)

  • For New Financing: Up to 80% of the financing obtained from the participating Financial Institutions (including principal and interest/ profit) by the Government of Malaysia

Guarantee Fee

  • For New Financing: 1% per annum payable upfront,
  • For the restructuring of existing financing facilities and/ or additional working capital: 0.75% per annum payable upfront.

*Terms and conditions apply.

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2024-06-13 08:48:21