We are a business financing advisory in Kuala Lumpur. We help Malaysian SMEs get bank financing by doing the preparation properly, and we are paid only when a facility completes.
SMEBox reviews an SME’s financial position, identifies which facility suits the requirement, matches the business to banks whose current credit criteria it actually fits, prepares the application, and submits it. We manage the process through to the bank’s decision.
We are not a bank and we are not a lender of any kind. SMEBox does not lend money, extend credit, or set interest rates, and we are not licensed under the Moneylenders Act 1951. We work on business financing from licensed banks and development financial institutions, and on nothing else: no personal loans, no consumer credit, no non-bank lending. Every facility is provided by a licensed bank or financial institution, and every decision about approval, amount and pricing is made by that institution, not by us. We cannot guarantee that any application will be approved.
SMEBox is operated by Double Pro Plus Sdn Bhd, company registration number 1280749-D, registered in Malaysia. Our office is at C-3A-2, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur.
Andy founded SMEBox in 2018 and has run it since. He is the person you deal with from the first conversation through to the bank’s decision: reviewing the financial position, deciding which facility and which banks fit the case, preparing the submission and managing it. His professional background is set out on his LinkedIn profile. More about Andy.
Nothing is submitted to any bank without your written approval. We tell you before we start whether we think an application is likely to succeed, including when we think it is not. We do not charge for the initial review and we do not charge anything if the facility does not complete.
The guides on this site are written in-house by SMEBox, drawing on current bank credit criteria, Bank Negara Malaysia publications and the text of the relevant legislation. Where we state a figure, we name its source and the date it was checked.
Every guide is then read and checked by a reviewer with direct experience of bank credit assessment before it is published, and again when it is revised. Each one carries the reviewer’s name and the date it was last reviewed. Reviews are repeated at least every six months, or sooner when the rules change.
Content on this site is general information about how financing works in Malaysia. It is not advice on your particular circumstances, and it is not financial, legal or tax advice. If you spot something wrong, write to us and we will correct it and note the correction on the page.
Eighteen years in Malaysian banking, in SME credit and business banking relationship management. He checks each guide against how banks actually assess an application. He does not write the guides and does not advise SMEBox’s clients.
Turnover around RM9m with a full order book but clients paying at 90 to 120 days. Two banks had declined on cash flow. We restructured the request from a term loan to a revolving working capital line sized against the confirmed order book. RM1.2m approved in seven weeks.
A haulier winning larger contracts but waiting 90 days to be paid, with directors funding payroll personally. We placed an invoice financing facility against their three largest customers. RM2.8m limit approved, and the personal funding stopped the following month.