Six facility types, all provided by licensed banks and financial institutions in Malaysia. SMEBox reviews your position, matches you to the right facility and lender, prepares the application and submits it. The bank decides.
For the gap between paying suppliers and being paid by customers. Stock, payroll, seasonal build-up. Usually revolving rather than a fixed sum.
Read more →A defined amount for a defined purpose, repaid over an agreed schedule. Expansion, premises, refinancing or a specific project.
Read more →Advances against invoices you have issued but not yet been paid for. Useful where customers pay on 60 or 90 day terms and the order book is growing faster than the bank balance.
Read more →Letters of credit, trust receipts, bankers’ acceptances and export credit. Bridges the period between paying an overseas supplier and selling the goods.
Read more →Funding secured against the machinery, vehicles or equipment being purchased. Often available where unsecured lending is not.
Read more →A standing limit on your current account, drawn as needed. Suits irregular, short-lived gaps rather than a planned spend.
Read more →That is normal, and it is the part most applications get wrong. The facility should match what the money is for. Ninety days of stock is not a five-year term loan. A new CNC machine is not an overdraft. Tell us what the money is for and we will tell you what fits.