Business Term Financing - Portfolio Guarantee (PG)

Empowering SMEs with CGC's Partially-Secured Financing.

  • Financing up to RM 500,000

  • Tenure up to 36 months

  • Interest rate at 10% per annum 

Apply now

Business Term Financing - Portfolio Guarantee (PG) is open to

  • Small and medium businesses as defined by SME Corporation Malaysia. For more details on SME definition, please visit

  • Minimum 51% local shareholding by Malaysians

  • Minimum 36 months in operations

The Guarantee Scheme
to grow your business

No Collateral Financing

We focus on your business potential and want to help you grow.

No Hidden Fees

What you see is what you get. Aside from what is displayed, there are no other fees or charges.

Quick Application

We have an online application that saves you the hassle of having to leave the comfort of home, or work.

Flexible Repayment

Flexible repayment tenures to suit your business needs.

Application Journey

Check Eligibility

Leave your contact information. Our team will contact you within 2 working days.
Then, prepare the following documents:

  • Copy of all Director(s) NRIC/Passport

  • Latest 6 months' bank statements, and

  • Latest Audited Accounts & Management Accounts

  • Latest Debtors & Creditors ageing reports

  • KWSP Borang A

Financing Application

Submit your documents for us to review, we may request additional documents to support your application.

Financing Offer & Disbursement

We aim to revert to you within five (5) working days upon collection of full and complete documents. Once approved and accepted, we will disburse the funds upon successful completion of the investment process.

Why Funding Societies?

Registered with Securities Commission Malaysia

Largest SME digital financing platform in Southeast Asia

Disbursed more than
RM 12.9 billion to over
5 million notes

More than 200,000
registered Investors
across SEA

Investors' funds managed
by Malaysian Trustees Berhad

We've got you covered

Not what you’re looking for?
We have other financing solutions available to serve your needs.

Check out our business solutions

Frequently asked questions

The Business Term Financing - Portfolio Guarantee (PG) aims to support small and medium enterprises (SMEs) by facilitating their access to working capital loans. Eligible applicants can apply financing up to RM500,000 with a financing tenure of up to 36 months. The scheme will be backed by a 50% guarantee from CGC.

This product can offer you a financing of up to RM 500,000 with an interest rate of 10% per annum.

There is no collateral required. When your financing is approved it will be credited into the your designated business bank account. Your monthly installment will be ‘P+I’ meaning principal + interest.

For this scheme, you will get a financing tenure of up to 36 months. This is calculated based on your financing amount and repayment capability.

If this is your first time with us, here is a run-through on the application process. 

Step 1: Complete the Application form on our page

Step 2: Submit the documents required for the application

  • Copy of all Director(s) NRIC/Passport

  • Latest 6 months' bank statements, and

  • Latest Audited Accounts & Management Accounts

  • Latest Debtors & Creditors ageing reports

  • KWSP Borang A

Step 3: Check your email for updates on your financing application

Step 4: Accept the approved financing offer from us (if you’re agreeable to the terms)

We will credit the funds into your designated business bank account upon successful funding exercise and your repayment cycle shall begin the following month.

Just like any other financing product, the following fees and charges will be applicable: 

Origination Fee: 5% of the approved financing amount, deducted upon disbursement. 

If you are late in making your repayments, the following fees/charges will be imposed:

  • Late Penalty Fee: RM500 per repayment cycle
  • Late Interest Fee: 0.1% per day (non-compounded) on the amount in arrears

Early repayments are always encouraged, as SMEs are able to save more on interest.

Early repayments are subjected to a 2% early repayment fee on the remaining principal amount to partially compensate our investors on the loss of their residual interest.