SME FINANCING ADVISORY
Banks See Risk. We See Your Business
We match your business to the right bank or government funding programme. One application. Best terms you qualify for.
SOUND FAMILIAR?
You built the business. The bank still said no.
- You’ve been running your business for years but banks still treat you like a startup.
- Your application was rejected — but nobody explained exactly why.
- You spent weeks preparing documents only to hear "incomplete submission."
- You’ve heard about government funding programmes but have no idea how to apply or if you qualify.
- Cash flow is tight and every week of delay costs your business real money.
why profin elite
What makes our approach different
HOW IT WORKS
Four steps from rejected to approved
is this for you?
SME financing advisory works best when…
GOOD FIT
- Your business has been operating for at least 2 years with revenue
- You need working capital or funds for business expansion
- You’re registered with SSM (sole proprietor, partnership, or Sdn Bhd)
- Your business is at least 51% Malaysian-owned
- You’ve been rejected before or don’t know where to start
MAY NOT BE RIGHT
- Your business is less than 1 year old with no revenue (microfinancing like TEKUN or BSN Micro may be more suitable)
- You need funds for personal use, not business purposes
- Your business has unresolved legal disputes or tax issues (we can advise on resolving these first)
REAL RESULTS
What changes with the right financing partner
Based on RM500,000 SME term loan, Sdn Bhd company, 3 years operating.
BEFORE
RM10,379
per month at 9% p.a., 5-year tenure
- Applied to 2 banks on own, both rejected
- 6 weeks wasted on incomplete applications
- No idea government guarantee schemes existed
- Cash flow gap growing every week
AFTER
RM7,185
per month at 5.5% p.a., 7-year tenure with SJPP guarantee
- 1 targeted application with government guarantee, approved
- Complete submission in 10 working days
- 80% government guarantee through SJPP
- RM3,194/month freed up for your business
MONTHLY CASH FLOW FREED
RM3,194
YEARLY CASH FLOW FREED
RM38,330
*Illustrative example based on RM500,000 unsecured SME term loan, Sdn Bhd company with 3 years operating history. 9% p.a. is typical for unsecured SME financing. 5.5% p.a. is achievable under SJPP guarantee schemes at participating banks. Actual rates, tenure, and approval depend on business financials, collateral, credit profile, and bank assessment.
common question
Got a question? We’ve got answers
What types of SME financing do you handle?
SME term loans for working capital and business expansion. We work with commercial banks and government-backed schemes including SJPP (Syarikat Jaminan Pembiayaan Perniagaan) and CGC (Credit Guarantee Corporation) guaranteed facilities.
Can sole proprietors apply or only Sdn Bhd?
Both. We handle applications for SSM-registered sole proprietors, partnerships, and Sdn Bhd companies. Eligibility and available schemes differ by structure — we’ll advise which options fit yours.
What is the SJPP government guarantee?
SJPP is a government-owned company under the Ministry of Finance. They guarantee up to 80% of your loan to the bank, reducing the bank’s risk. This means higher approval chances, potentially lower rates, and less collateral required. The latest scheme is GGSM4 (2026), open to all majority Malaysian-owned businesses.
What interest rates can I expect?
Commercial bank SME loans: 5%-9% p.a. (reducing balance) depending on whether secured or unsecured. BNM fund schemes: as low as 4% p.a. for automation and digitalisation. Government-guaranteed loans typically offer more competitive rates than unguaranteed bank loans.
How long does SME loan approval take?
Bank processing: 2-4 weeks from complete submission. If government guarantee is involved (SJPP/CGC), add 3-5 working days for guarantee approval. Total: typically 3-6 weeks. We prepare documents upfront to avoid delays.
What documents does my business need?
Sole proprietor: SSM registration (Form D/E), 6 months business bank statements, latest 2 years tax returns (Form B), business profile. Sdn Bhd: SSM registration (Form 9/24/49), 2 years audited financial statements, latest management accounts, company tax returns (Form C), directors’ MyKad. We provide a complete checklist.
My business was rejected by a bank. Can you help?
That’s exactly our value. Bank rejection often means wrong bank, wrong product, or poor application presentation — not a bad business. We review why you were rejected, identify alternative banks or government-backed schemes, and prepare a stronger application.
Is there a fee?
The business assessment is free. If we proceed and your financing is approved, we charge an advisory fee. No approval, no charge. We explain the exact amount during your first consultation — no surprises.
READY TO GROW?
Your business needs capital. We know how to get it approved.
No commitment. No bank visits. Just a straightforward conversation about what’s possible for your business. Takes 20 minutes.
We reply within 2 hours during business days.