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Name of Scheme Intellectual Property Guarantee Scheme (“IPGS”)
Objective To assist companies with Intellectual Property (IP) to gain access to financing from participating Financial Institutions (FIs) and further inculcate innovation and increase productivity
Scheme Limit RM1.5 billion
Eligibility Open to all companies with registered and valued IP with MyIPO incorporated under the Companies Act 1965 and / or Companies Act 2016 with at least 51% shares held by Malaysian and shareholders’ fund below RM20.0 million
Purpose of Financing The facility is to be used for working capital as well as for capital expenditure (CAPEX) and cannot be used to refinance existing facility granted by the same or other participating Financial Institutions (“FIs”)

The participating FIs and/or SJPP will be responsible for determining the genuineness of the borrower/customer based on their respective credit evaluation procedures
Guarantee Coverage 80% guarantee to 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
Financing Limit Minimum: RM100,000.00 only

Maximum: RM5.0 million only
Tenure of Financing For a period of thirteen (13) years or until 31st December 2030, whichever is earlier
Interest /Profit Rate Determined by participating FIs
Type of Facility Term Loan/Term Financing, Overdraft
Participating FIs Open to all Commercial Banks, Islamic Banks and Development Financial Institutions under the purview of Bank Negara Malaysia
Source of Funds From the participating FIs
Availability / Application Period Opened from 1st January 2018 and upon full utilisation of the scheme limit of up to Ringgit Malaysia One Million and Five Hundred Thousand (RM1.5 billion) only or upon expiry of guarantee tenure on 31st December 2030, whichever is earlier