Every facility we advise on comes from a bank or development financial institution licensed in Malaysia and regulated by Bank Negara Malaysia. We work with the main banks here that lend to businesses, and this page explains how we choose between them.
We prepare and submit applications to these institutions on behalf of our clients. We are not an agent of, a representative of, or appointed by any bank. No bank pays us, endorses us, or has any arrangement with us. We are paid by the client, on success, and by nobody else. Every decision on approval, amount and pricing is made by the bank.
We can prepare and submit an application to any bank in Malaysia that offers business financing, and to the development financial institutions regulated by Bank Negara Malaysia. Which of them we approach for you depends on your position and on what each one is doing at the time, not on any arrangement of ours.
Alongside these, Credit Guarantee Corporation Malaysia Berhad (CGC) does not lend directly but guarantees a portion of a bank facility, which is often what turns a marginal application into an approved one. The application still goes through a bank.
You will have noticed there is no list of banks and no wall of logos. That is deliberate, and it is worth explaining because most sites in this industry do the opposite.
A grid of bank logos is how a business signals that it is a partner, an appointed agent or an authorised distributor. We are none of those things. Putting the logos up would imply a relationship we do not have, and on a financial site that implication is not a small thing: it is the difference between telling you we submit applications to a bank and letting you believe the bank sent us.
Naming a panel has the same problem in a quieter form. A list of banks invites you to read it as a set of relationships, when all it really records is where we have sent files. Which institutions are worth approaching depends on your position and on what each one is doing this quarter, so the useful answer is a shortlist for your business rather than a directory.
We do not link out to the banks either. If you want to go straight to a bank you do not need us to find the website for you, and a bank’s own application form is the one destination on the internet where we add nothing. What we add is knowing which institutions are worth approaching for your particular position, and preparing the file so it survives the first read.
Almost nobody should apply to more than a few, and applying widely tends to work against you. Applications that are still in progress can show on a CCRIS report, so banks looking at you in the same window can see each other’s, and a file that looks like it is being shopped around invites questions.
What decides the shortlist is a small number of things: how long you have traded, your turnover band, your sector and whether a given bank has tightened on it this quarter, whether the facility is secured, your Malaysian shareholding, and the conduct on your accounts over the last six months. A bank closed to your sector in March may be open in September. Knowing which is which at the moment you apply is most of what we do.
In practice we shortlist two or three, prepare one file, and submit in the order most likely to produce an answer quickly.
Seven questions about your business and you will get a plain read on how banks are likely to see you, with no contact details needed.