Empowering Malaysian SMEs to Grow with Confidence
At Aprove Ventures, we specialize in helping small and medium enterprises (SMEs) access financing with greater ease and peace of mind. Through government guarantee schemes like SJPP (Syarikat Jaminan Pembiayaan Perniagaan) and CGC (Credit Guarantee Corporation), your business can enjoy higher approval rates even if you lack strong collateral or credit history.
What Are SJPP & CGC?
SJPP and CGC are government-linked entities that provide guarantees to banks and financial institutions on behalf of SMEs. This reduces the lender’s risk and improves your chances of securing the business funding you need.
- SJPP is under the Ministry of Finance and offers guarantees for loans ranging from RM100,000 to RM20 million for eligible SMEs.
- CGC specializes in helping micro and small businesses, including startups and entrepreneurs, by offering flexible guarantee coverage up to 90%.
How Your Business Benefits
- Higher Approval Chances – Especially useful for businesses with limited assets or shorter operating history.
- Access to Larger Loan Amounts – Because part of the risk is absorbed by the government.
- No Collateral? No Problem – With CGC’s Flexi Guarantee, you can still qualify.
- Faster Processing – We streamline the application with our partner banks and ensure all documentation is ready.
- Expert Advisory – We help you assess eligibility, prepare a strong application, and liaise directly with banks.
Our SJPP & CGC Services Include:
- Eligibility Assessment
- Application Support & Submission
- Matching with the Right Lending Partner
- Post-Approval Support
- Loan Restructuring (if needed)
FAQ: SJPP & CGC Loan Guarantee Schemes
- What is a government guarantee scheme for SME loans?
It’s a program where the government (via SJPP or CGC) guarantees part of your loan, reducing the risk for banks and increasing your chances of approval. - Do I still need to provide collateral if I apply through these schemes?
Not always. Some schemes, especially under CGC, allow for unsecured financing. - Who is eligible for SJPP or CGC-backed financing?
Eligibility varies by scheme, but in general:- Business must be Malaysian-owned (at least 51%)
- Registered and operating in Malaysia
- Meets SME definition (based on turnover and headcount)
- In operation for at least 6–12 months|
- How much can I borrow under these schemes?
Amounts vary:- SJPP: From RM100,000 up to RM20 million
- CGC: Typically RM50,000 to RM1 million (more for certain programs)
- Can startups apply?
Yes. CGC in particular has programs for startups and microenterprises. - What are the interest rates like?
Rates depend on the bank you’re applying through. However, with a guarantee in place, rates are typically more favorable. - How can Aprove Ventures help?
We handle the process end-to-end—from eligibility checks to application submission and follow-ups—so you don’t have to navigate it alone.