Services Sector Guarantee Scheme (“SSGS”)

To assist SME companies in service sector to gain access to financing for working capital and capital expenditure (CAPEX)

Benefits & Features

Guarantee Fee

1.0% per annum on the guarantee cover payable upfront annually in advance (subject to minimum RM1,000.00)

Financing Limit

  • Minimum : RM100,000.00
  • Maximum : Aggregate financing of RM5.0 million only per company

Tenure of Financing

Up to Nine (13) years or until 31st December 2030, whichever is earlier

Facilities Offered

  • Term Financing
  • Business Cash Line-i
  • Multi Trade Facility

Guarantee Coverage

70% guarantee cover on financing facility limit


  • Government initiative to help SME grow
  • To gain better access to financing

Eligibility & Requirements
  • Must fall within the definition of SMEs companies under services sector
  • Incorporated under the Companies Act 1965 with 51% shares held by Malaysian.
  • Shareholders’ fund below RM20.0 million