BizJamin-i Micro TemanMesra



  • BizJamin-i Micro TemanMesra is a collaborative initiative between CGC and Bank Simpanan Nasional, aimed in providing financing to Micro SMEs for their business needs.

Purpose of Financing

  • Working capital; and/or
  • Asset acquisition; and/or
  • Renovation of business premises

Eligibility Criteria

  • Business is Malaysian-controlled and Malaysian-owned with at least 51% shareholding;
  • Any business registered with SSM or authorities/district offices in Sabah/Sarawak or statutory bodies for professional service providers, including:

i)   Sole Proprietorship;

ii)   Partnership; or

iii)  Limited Liability Partnership; or

iv)  Private Limited Company; or

v)  Professionals firm

  • Business must meet the definition of Micro category issued by SME Corporation Malaysia (for details, please click here);
  • Minimum key person/management’s age at the point of application shall be between 18 years old and 60 years old upon full settlement;
  • Business has been in operations for at least two (2) years under similar business nature;
  • All business segment i.e. retail and wholesale, manufacturing, services and other sectors and sub-sectors that will be considered by BSN Management on a case-by-case basis.

Maximum Financing Limit

  • Up to RM50,000.00

Maximum Financing Tenure

  • Up to five (5) years

Type of Financing Facilities

  • Term Financing

Guarantee Cover

  • 70%

*Guarantee Fee is borne by the Bank

Participating Financial Institutions

  • Bank Simpanan Nasional

Profit Rate

  • 5.99% to 7.49% p.a. (flat rate)

*Subject to revision (if any) by Bank Simpanan Nasional

Application Procedures

  • Applicants are to submit application to CGC for guarantee cover approval.
  • Approved application for successful applicants will be submitted by CGC to Bank Simpanan Nasional for financing application processing.

Application Period

  • The scheme is made available until the exhaustion of allocation, or subject to further notice.

Leave your contact details here and we will get back to you.

Your Name:


Contact Number:


We wish to inform that CGC does not appoint any Third Party to act for and/or on behalf of CGC with regard to its products and services.

In the event you are approached by a Third Party impersonating as an agent of CGC or purporting to be CGC's representative or have any information in relation to the same, please alert / contact us at:

Client Service Centre -
CGC Branches -