Government Guarantee Scheme Madani – SME

To provide financing assistance to Malaysian Small and Medium-sized Enterprises (SMEs) and Mid-Size Companies (MSCs) by providing Government guarantees to the FIs for the financing provided for all economic sectors with focus on four (4) sectors: –

1) High Technology
2) Agriculture
3) Manufacturing
4) Tourism


Eligibility Criteria

  • Up to RM30.0 Million per company for the four (4) sectors below:
    1. High Technology
    2. Agriculture
    3. Manufacturing
    4. Tourism
  • Up to RM20 Million per company for all othr sectors.


  • The facility is to be used for working capital requirements as well as for capital expenses (CAPEX) for new financing.


  • BFR + 2%
  • Tenure up to 7 years
  • Up to 90% for the four sectors. The financing limit eligible for the 90% guarantee coverage shall be capped at RM10 million per company
  • Up to 80% guarantee coverage for all other sectors

Eligibility Criteria

  • Open to all entities (SMEs) and Mid-Size Companies (MSC) in all industries with annual revenue of not more than RM500 million based on their audited accounts for any of the financial year ending 2019 or later:
    1. Sole proprietorship owned by a Malaysian citizen;
    2. Partnership, and Limited Liability Partnerships controlled and majority owned by Malaysian citizens; or
    3. Companies with at least 51% shares held and controlled by Malaysian citizens

Type of Facilities

  • Term Financing
  • Overdraft
  • Revolving Credit
  • Trade Facilities

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2024-06-13 08:48:21