1 Introduction to CGC - MACC
Transcript of 1 Introduction to CGC - MACC
Introduction to CGC 1
2 SME Financing/Loan
Proposal for MACC
imSME & MyKNP
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RM
Billion
75
340 K
78.6%
21.4%
1972Established on
5 July 1972
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GUARANTEE DIRECT FINANCING OTHER SERVICES
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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
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09
TO
DA
TE
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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.
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Start New Business/Venture
Fund the Business
Working Capital
Asset Acquisition
Expand/Scale Business
Build Credit Records
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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
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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
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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
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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
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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
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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
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Key-in Financing
Requirement(s)
Share Your
Business Details
Register / Login
Compare and
Choose
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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
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Financial Advisory Services @ CGC
Enhancing Customer Experience for SMEs
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