Introduction to CGC 1

2 SME Financing/Loan

Proposal for MACC

imSME & MyKNP

3

4

2

RM

Billion

75

340 K

78.6%

21.4%

1972Established on

5 July 1972

3

GUARANTEE DIRECT FINANCING OTHER SERVICES

19

72

TO

DA

TE

*TPUB-i(Bumiputera entrepreneurs who had

been allotted projects/contracts)

BizMula-i(start-up businesses)

BizWanita-i(women entrepreneurs)

Malaysia’s 1st SME Financing/Loan

Referral Platform

Nurture and Advise on

SME Financing Application

Advisory for Financial Access

Advisory for Market Access

Wholesale Guarantee

Portfolio Guarantee

BizMaju, BizSME, BizJamin/-i,

BizJamin Bumi/-i, BizJami/-i

NRCC, BizJamin/-i SRF

Flexi Guarantee Scheme/-i

Govt. Backed SchemesGreen Technology

Financing Scheme/-i,

Franchise Financing Scheme

20

09

TO

DA

TE

20

16

TO

DA

TE

CGC DEVELOPMENTAL

PROGRAMME™

BizBina-i(Existing financing customers

affected by COVID-19 pandemic)

BEYOND GUARANTEE

*Tabung Projek Usahawan Bumiputera

Expanding CGC products and services to support SMEs beyond guarantee and to address market gap.

4

Start New Business/Venture

Fund the Business

Working Capital

Asset Acquisition

Expand/Scale Business

Build Credit Records

6

7

8

Firm hire Manpower/ Mobilisation

Start work Order/WIP

Submission of Invoice/ Logbook

Payment received from

client

Cash

outflow

Cash

inflowFUNDING GAP/

WORKING CAPITAL

Up to 70 Days

10 Days 30 Days 5 Days 30-45 Days

9

Source : Central Bank of Malaysia

Loans by DFIs

Loans by Govt Agencies

Loans by Banks

Equity / P2P

Grants

Guarantee

Early Stage

Companies

Seed and

Start-up

Expansion/

Large ent.

Growth /

Expansion

Companies

CGC

MTDC, CIP, MOSTI, Mdec, Biotech

Stock Exchange

Commercial Banks

MDV

AIM, TEKUN, PUNB, MARA, PNS, SME Corp

CGC Agrobank, Bank Rakyat, BSN, EXIM

SME Bank

Syarikat Jaminan(PROKHAS)

Venture capitalists/ Equity Crowdfunding/

Peer-to-Peer Financing

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Term Loan

Leasing

Industrial Hire

Purchase

Overdraft

Factoring

Revolving Credit

Letter of Credit

Trust Receipts

Bills of Exchange

Purchased (BEP)

Bankers Acceptance

Export Credit Financing

Asset Acquisition

Loan

Short Term

Financing for

Working Capital

Trade

Financing

11

BizMula-i

TPUB-i

BizWanita-i

CGC

• Term Financing

• Specifically to cater Woman Entreprenuer

• Covers all industry

• No collateral

• Contract Financing

• 100% Bumiputera Ownership

• No collateral

• Fast-track processing*

• Developmental programme with Saddiq Islamic*

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• Term Financing

• Less than 4 years in operation

• Sustainable business plan

• No collateral

Product Features

Financing Limit 1st application: Up to RM5.0mil

Subsequent application: Up to RM10.0mil

Financing Tenure Up to 5 years

Types of Facility Term Financing, Revolving & Invoice

Financing

Financing Scope Contract Financing

Eligibility Criteria 100% Bumiputera owned company and

registered in Malaysia.

Contract awarded by the Government,

GLCs, MNCs, private company

Contract is not financed by other FIs and

CA willing to assign payment

14

Product Features

Types of Contract Construction

Service and Maintenance

Supply

Scope of Financing Purchase of raw material

Payment for labour cost

Equipment rental

Margin of Advance Depending on financing requirement per

contract basis

Up to 80% of contract value

15

Product Features

Financing Limit Up to RM300,000

Financing Tenure Up to 5 years

Type of Financing Term Financing

Scope of Financing Working capital requirement or purchase of

asset

Eligibility Criteria Recently registered (min. 6 months) or less

than 4 years in operation

3 years of working experience in the same

industry (keyman/owner)

At least 51% Malaysian ownership

Pembiayaan untuk

Perniagaan Baru

16

Pembiayaan untuk

Usahawan Wanita

Product Features

Financing Limit Up to RM300,000

Financing Tenure Up to 5 years

Type of Financing Term Financing

Scope of Financing Working capital requirement or purchase of

asset

Eligibility Criteria Recently registered (min. 6 months) or less

than 4 years in operation

3 years of working experience in the same

industry (keyman/owner)

At least 51% Malaysian woman ownership

17

Key-in Financing

Requirement(s)

Share Your

Business Details

Register / Login

Compare and

Choose

19

3 Capacity

Building Agencies

7 Peer-to-Peer

Lending

2 Other

Financiers

25 Participating

Financial InstitutionsOffering 45 Unsecured SME Financing/Loan

3 Equity

Crowdfunding

imSME Strategic Partners as at November 2020

20

Financial Advisory Services @ CGC

Enhancing Customer Experience for SMEs

21