Working Capital Guarantee Scheme - Bumiputera (WCGS-B)
  • Scheme Limit:
    RM1.0 billion (non-revolving basis)
  • Tenure of Financing:
    For a period of 17 years or until 31st December 2035, whichever is earlier
  • Availability/ Application Period:
    From 1st January 2019 and upon full utilisation of the Scheme limit of up to RM1.0 billion only or upon expiry of guarantee tenure on 31st December 2035, whichever is earlier
  • Purpose of Financing:
    • Working Capital
    • Capital Expenditure

    This guarantee scheme cannot be used to refinance existing facility granted by the same or other participating financial institutions
  • Type of Facility:
    Term Loan/ Term Financing, Overdraft/ Cash Line-i, Trade Facilities and Commercial Card
  • Financing Limit:
    Minimum: RM100,000.00 only
    Maximum: RM3.0 million only
  • Guarantee Coverage:
    70% guarantee of the financing obtained from the participating FIs (including principal and interest/ profit) by the Government of Malaysia
  • Guarantee Fee:
    0.75% per annum payable upfront
  • Source of Funds/ Financing Facility:
    From the participating financial institutions
  • Interest/ Profit Rate:
    Determined by participating financial institutions


Eligible SJPP borrowers will also enjoy a 2% rebate on the interest rate charged by the financial institutions. Valid until the year 2022.