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Direct Access Guarantee Scheme (DAGS)

Objective
•	To allow the Small & Medium Enterprises (SMEs) to approach Credit Guarantee Corporation (CGC) directly to obtain guarantee and financing.
•	Reduce the processing time for loan approval and disbursement.
•	Allow CGC to develop better rapport and understanding of the needs and requirements of the SMEs and enable CGC to provide better financial and other related services in the development of SMEs.

Eligibility
•	All Malaysian owned and controlled private limited companies registered under the Companies Act 1965.
•	Paid-up capital or shareholders fund between RM50,000 and RM2.5 million.
•	Going concern and viable business.

Purpose of Loan
For financing working capital and/or asset acquisition.

Ineligibility
•	Adverse record with CGC or any Financial Institution - CTOS & FIs
•	Listed under Biro Maklumat Cek (BMC)

Types of Facility
•	Overdraft (OD)
•	Term Loan (TL)
•	Trade Lines
•	Any other credit facilities determined from time to time by CGC

Loan Amount
•	Maximum RM1 million
•	Minimum RM50,000

Repayment Period
•	Overdraft: Maximum 5 years
•	Term Loan: Maximum 5 years
•	Other credit facilities determined from time to time by CGC

Interest Rate
BLR + 1.0%

For further enquiries, call your nearest Maybank Business Centre or apply online.
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