BizJamin Bumi-i Scheme


Eligibility Criteria

  • A company registered in Malaysia, is Malaysian-controlled and Malaysian-owned with at least 51% shareholding owned by Bumiputera.
  • Meet the SME Corporation Malaysia’s definition of an SME (for details, please click here).
  • All viable business involved in ‘halal’ activities.

Maximum Financing Limit

Financing of up to RM15.0 million

Financing Facilities Covered

  • Term Financing-i
  • Cash Line Facility-i
  • Letter of Credit-i
  • Trust Receipt-i
  • Bills Purchased-i
  • Bank Guarantee-i
  • Export Credit Refinancing-i (ECR-i)
  • Accepted Bills-i
  • Shipping Guarantee-i
  • Hire Purchase-i
  • Leasing-i
  • Any other financing facilities determined from time to time by CGC

Financing Rate

The annual profit rate is up to 2% above the Base Financing Rate (BFR) of the financial institutions.
*Financial institutions are free to quote the profit rate if the guarantee cover is 50% or less.

Participating Financial Institutions

Participating Development Financial Institutions (DFIs) and Islamic Banks

Guarantee Coverage

The guarantee coverage ranges between 30% and 90% with multiple of 5% subject to the following:-

  • Unsecured Portion – Up to 90% (a maximum cover of RM5.0 million)
  • Secured Portion – Up to 90% (no capping imposed on secured portion)

Guarantee Fee

  • Unsecured Portion – 0.75% to 4.00% per annum
  • Secured Portion – 0.50% to 3.20% per annum

SMEs with higher risk profiles will be charged higher guarantee fees, whereas SMEs with lower risk profiles will be charged lower guarantee fees. The range observed is to match the customer’s credibility in terms of risk rating with the pricing of the guarantee.

i) Payment of Guarantee Fee

  • New Letter of Guarantee (LG) – Payable upon request for LG by Financial Institution but subject always to full payment of the Guarantee Fee
  • Anniversary LG – Payable on or before LG anniversary date, together with the annual Guarantee Fee

ii) Refund of Guarantee Fee

  • Refund of Guarantee Fee will be pro-rated on monthly basis and applicable for LG cancelled or amended by CGC based on the unutilised period of the LG.
  • The utilised period is calculated from the month of LG/anniversary LG until the month of receipt of cancellation/ approval of amendment by CGC.

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 -