Working Capital Guarantee Scheme (WCGS)
长期运行的政府担保，覆盖用于营运资金和资本支出的银行贷款。设有针对初创企业、土著（Bumiputera）、女性企业、出口商及自动化/数字化项目的子计划。
- 主管机构
- Syarikat Jaminan Pembiayaan Perniagaan (SJPP)
- 资助
- 最高 MYR 10,000,000WCGS: 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.
- 您需承担
- Upfront guarantee fee. Loan repaid to the bank.
- 申请资格
- 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
- 如何申请
- 向参与银行或金融机构申请商业贷款，并要求纳入 SJPP 的 WCGS（或相应子计划）担保。
- 时间
- Open until the RM27.5bn limit is used up or 31 Dec 2035. The 2% rate rebate is no longer offered.
- 最后核实
- 2026-10-11
申请资格以英文显示，与官方来源原文一致。