BizMaju Scheme


A financing scheme that offers Clean Overdraft and Term Loan.  This smart scheme will assist SMEs who are unable to obtain working capital to grow their business due to insufficient collateral and lack of track record.

Financing type
Financing rate

BLR + 0% p.a. (BLR is as per individual Financier’s rate at the point of time)

Financing tenure

Up to 5 years

Financing amount (max)

From RM 50,000 to RM 500,000

Guarantee Coverage


Guarantee Fee
  • Secured: 0.50% to 3.60% p.a.
  • Unsecured: 0.75% to 5.75% p.a.
Type of facility

Term loan & Overdraft

Purpose of Financing
Working Capital
Eligibility criteria
  • Malaysian-controlled or Malaysian-owned (at least 51% shareholding) company
  • Meet National SME Development Council’s (NSDC) SME definition as stated in
  • Key person aged more than 25 years and less than 65 years at the point of application
  • Min 1 year in operation
  • Key person must have at least 3 years’ experience in similar industry inclusive of the current business.
Application procedure

Application form is available at All CGC’s branches; or CGC website.

For further information

Client Service Centre
Credit Guarantee Corporation Malaysia Berhad (12441-M)
Tel: 03-7880-0088
Fax: 03-7806-3308