Working Capital Guarantee Scheme (WCGS)

A long-running government guarantee on bank loans for working capital and capital expenditure. There are variants for start-ups, Bumiputera, women-owned, exporters, and automation/digital projects.

Run by

Syarikat Jaminan Pembiayaan Perniagaan (SJPP)

Funding

Up to MYR 10,000,000

WCGS: RM100k to RM10m, 70% guarantee, 1% p.a. fee. Variants: Start-Up RM100k to RM500k (70%); Bumiputera up to RM3m (80%); Women up to RM1m (80%); Export and Automation & Digital (ADGS) up to RM10m (80%). Variant fees are 0.75% p.a.

Your share

Upfront guarantee fee. Loan repaid to the bank.

Who can apply

• Malaysian SMEs; check criteria on SJPP's eligibility page
• Minimum financing of RM100,000
• Cannot be used to refinance existing facilities
• Apply through a participating financial institution

How to apply

Apply for a business loan at a participating bank or financial institution and ask for it to be covered under SJPP's WCGS (or the matching variant).

Timing

Open until the RM27.5bn limit is used up or 31 Dec 2035. The 2% rate rebate is no longer offered.

Last checked

2026-10-11

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