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

Introduction to CGC 1 SME Financing/Loan 2 Proposal for MACC 3 4 imSME & MyKNP 2 Established on 1972 5 July 1972 75 RM Billion 340 K 78.6% 21.4% 3 Expanding CGC products and services to support SMEs beyond guarantee and to


  1. Introduction to CGC 1 SME Financing/Loan 2 Proposal for MACC 3 4 imSME & MyKNP 2

  2. Established on 1972 5 July 1972 75 RM Billion 340 K 78.6% 21.4% 3

  3. Expanding CGC products and services to support SMEs beyond guarantee and to address market gap. BEYOND GUARANTEE GUARANTEE DIRECT FINANCING OTHER SERVICES BizMula-i Portfolio Guarantee (start-up businesses) Malaysia’s 1 st SME Financing/Loan Referral Platform BizWanita-i Wholesale Guarantee (women entrepreneurs) CGC DEVELOPM LOPMENTAL L PRO ROGR GRAM AMME ME ™ BizMaju, BizSME, BizJamin/-i, *TPUB-i BizJamin Bumi/-i, BizJami/-i Advisory for Financial Access (Bumiputera entrepreneurs who had NRCC, BizJamin/-i SRF Advisory for Market Access been allotted projects/contracts) Flexi Guarantee Scheme/-i 1972 TO DATE 2016 TO DATE 2009 TO DATE Govt. Backed Schemes BizBina-i Green Technology (Existing financing customers Financing Scheme/-i, Nurture and Advise on affected by COVID-19 pandemic) Franchise Financing Scheme SME Financing Application 4 *Tabung Projek Usahawan Bumiputera

  4. Start New Business/Venture Fund the Business Working Capital Asset Acquisition Expand/Scale Business Build Credit Records 6

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  7. Firm hire Submission Payment Start work Manpower/ of Invoice/ received from Order/WIP Mobilisation Logbook client 30-45 Days 10 Days 30 Days 5 Days Up to 70 Days FUNDING GAP/ Cash inflow WORKING CAPITAL Cash outflow 9

  8. SME Bank Loans by DFIs Agrobank, Bank Rakyat, BSN, EXIM CGC AIM, TEKUN, PUNB, MARA, PNS, SME Corp Loans by Govt Agencies MDV Loans by Banks Commercial Banks Venture capitalists/ Equity Crowdfunding/ Equity / P2P Stock Exchange Peer-to-Peer Financing Grants MTDC, CIP, MOSTI, Mdec, Biotech CGC Guarantee Syarikat Jaminan(PROKHAS) Growth / Seed and Expansion/ Early Stage Expansion Start-up Large ent. Companies Companies 10 Source : Central Bank of Malaysia

  9. Short Term Asset Acquisition Trade Financing for Loan Financing Working Capital Overdraft Letter of Credit Term Loan Factoring Trust Receipts Leasing Bills of Exchange Industrial Hire Revolving Credit Purchased (BEP) Purchase Bankers Acceptance Export Credit Financing 11

  10. • Contract Financing • 100% Bumiputera Ownership • No collateral TPUB-i • Fast-track processing* • Developmental programme with Saddiq Islamic* • Term Financing • Less than 4 years in operation BizMula-i CGC • Sustainable business plan • No collateral • Term Financing • Specifically to cater Woman Entreprenuer BizWanita-i • Covers all industry • No collateral 13

  11. Product Features  1 st application: Up to RM5.0mil Financing Limit  Subsequent application: Up to RM10.0mil  Up to 5 years Financing Tenure  Term Financing, Revolving & Invoice Types of Facility Financing  Contract Financing Financing Scope  100% Bumiputera owned company and Eligibility Criteria 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 14

  12. Product Features  Construction Types of Contract  Service and Maintenance  Supply  Purchase of raw material Scope of Financing  Payment for labour cost  Equipment rental  Depending on financing requirement per Margin of Advance contract basis  Up to 80% of contract value 15

  13. Product Features  Up to RM300,000 Financing Limit  Up to 5 years Financing Tenure Pembiayaan untuk  Term Financing Type of Financing Perniagaan Baru  Working capital requirement or purchase of Scope of Financing asset  Recently registered (min. 6 months) or less Eligibility Criteria than 4 years in operation  3 years of working experience in the same industry (keyman/owner)  At least 51% Malaysian ownership 16

  14. Product Features  Up to RM300,000 Financing Limit  Up to 5 years Financing Tenure  Term Financing Type of Financing Pembiayaan untuk  Working capital requirement or purchase of Usahawan Wanita Scope of Financing asset  Recently registered (min. 6 months) or less Eligibility Criteria than 4 years in operation  3 years of working experience in the same industry (keyman/owner)  At least 51% Malaysian woman ownership 17

  15. Key-in Financing Requirement(s) Share Your Business Details Register / Login Compare and Choose 19

  16. imSME Strategic Partners as at November 2020 25 Participating 7 Peer-to-Peer Financial Institutions Lending Offering 45 Unsecured SME Financing/Loan 2 Other 3 Equity 3 Capacity Financiers Crowdfunding Building Agencies 20

  17. Financial Advisory Services @ CGC Enhancing Customer Experience for SMEs 21

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