Recall Ventures

Small Loan Guarantee Scheme (Credit Guarantee Corporation)

The SMI Loan Guarantee scheme - CGC -has been in existence to enable SMI with a viable business plan, but lacking security, to secure loans from approved bankers. The SMI guarantee scheme (CGC) is a joint venture between the Goverment of Malaysia and the approved panel of banks.

The scheme will provide loans for companies with a good trading record . The scheme covers refinancing.Changes may continue to be introduced by the government, and Recall Ventures will be happy to advise on the current situation. The importance of a carefully prepared business plan is often under estimated. The borrower must convince the potential lender that he or she has a viable business proposal. There is a need for a specialised funding plan to be created identifying closely the business needs  and in compliance with the requirements of the scheme and the banks and our consultants have a wide experience in meeting these needs. A potential lender would expect to see information on: > Management: key personnel, their experience, knowledge of the industry, age, and training; > Products or services: details of products or services offered, state of product development, any follow-up products or services; > Markets: description of the market and its size, customers, competitors, sales estimates and expected market penetration. Sales forecasts should be supported by hard evidence and research wherever possible. Also an explanation of how the business will succeed in the market against competition; > The business: when started, results to date, borrowings history, existing commitments, current bankers; > Objectives and strategy: business objectives, timetable and assumptions, risk factors, mid & long term plans; > Financial projection: projections of at least a year's future performance together with supporting assumptions and evidence. > Financing required: total funding required based on projections, application of those funds, repayment assumptions. Purpose of finance, detailing capital expenditure; > Security available: what assets are available as security (personal assets as well as business assets). Also what assets have been used as security elsewhere; > Principal risks: most likely areas of risk and ability to cope with these. What happens in event of sickness or injury to key personnel? Recall Ventures has over the  years advised on a  number of applications and at the present time have fairly successful rate of the loans being granted.

" ....invaluable professional support, value added partnership, excellent business advice which my company scales on..."            MD, security company

For more information, please contact us at :

Recall Ventures 2, Changkat Kenari 2, Sungai Ara, 11900 Penang Malaysia. Tel: 604-6592406 Enquries Hotline : 012-4775586 Email : Sid2338@yahoo.com    Fax: 604-6460130

Corporate recovery