• To assist entrepreneurs who have viable projects but lack the collateral to obtain the required Islamic financing from financial institutions.


To guarantee the following:

  • Financing for Working Capital.
  • Expansion of business including purchase of properties and machineries.

Financing Limit

  • Max financing limit eligible for guarantee to a single customer is RM10.0 m.

Guarantee Cover

  • Max guarantee cover of up to RM3.0m per borrower on the unsecured portion. No capping on the secured portion
  • Guarantee cover ranges from 30% to 90% in multiples of 5% for the unsecured and secured portions


  • Guarantee cover up to loan tenure for term loan and other facilities with fixed maturity
  • Max up to 3 years for revolving facilities such as Cash Line-i and Islamic Trade Finance.

Guarantee Fee

  • Between 0.75% to 4.00% on the unsecured portion
  • Between 0.50% to 3.20% on the secured portion

Eligibility Criteria

  • Small and medium enterprises based on the definition of SMEs
  • Malaysian-controlled or Malaysian-owned businesses

Eligible Credit Facilities

  • Credit facilities (Term Financing-i, Cash Line Facility-i, LC-i/TR-i, BA-i, BG-i, ECR-i, HP-i, Leasing-i & Bills Purchased-i) granted without collateral or partially secured
  • New or additional financing only. Existing non-CGC financing shall not be eligible unless additional financing are granted

For more information, call our Call Centre at 03-5522 3000 or visit the nearest AFFINBANK / AFFIN ISLAMIC branch today.

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