Government Guarantee Scheme MADANI 2026 (GGSM4)

Government guarantee of up to 80% on new bank financing for MSMEs (and up to 70% for mid-tier companies), helping businesses without enough collateral borrow for working capital or capital expenditure.

Run by

Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Funding

Up to MYR 20,000,000

Financing up to RM20.0 million per MSME (RM30.0 million per mid-tier company); guarantee up to 80% for MSME focus sectors, 70% for others; guarantee fee 0.5%-1.0% p.a.; tenure up to 7 years

Who can apply

• Sole proprietor owned by a Malaysian citizen, or partnership/LLP majority Malaysian-owned, or company at least 51% held and controlled by Malaysian citizens
• Registered with SSM, Sabah/Sarawak authorities, or a statutory body for professional services
• New financing only; cannot refinance existing facilities
• Excludes public-listed (except ACE/LEAP), GLC and state-owned companies

How to apply

Apply for financing at a participating bank and request the GGSM4 guarantee; check eligibility on SJPP's website.

Timing

Until 30 June 2027 or until the RM30 billion scheme limit is used up

Last checked

2026-10-11

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