Introduction to CGC 1 SME Financing/Loan 2 Proposal for MACC 3 - - PowerPoint PPT Presentation

Introduction to CGC

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SME Financing/Loan Proposal for MACC imSME & MyKNP

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RM

Billion

75 340 K

78.6% 21.4% 1972 Established on 5 July 1972

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GUARANTEE DIRECT FINANCING OTHER SERVICES

1972 TO DATE

*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 Schemes

Green Technology Financing Scheme/-i, Franchise Financing Scheme 2009 TO DATE 2016 TO DATE

CGC DEVELOPM LOPMENTAL L PRO ROGR GRAM AMME ME™

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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7

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Firm hire Manpower/ Mobilisation Start work Order/WIP Submission

• f Invoice/

Logbook Payment received from client

Cash

• utflow

Cash inflow

FUNDING 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 Institutions

Offering 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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