Business financing consultants in Kuala Lumpur
Micro financing from RM50,000, SME financing up to RM10 million and corporate financing up to RM20 million. We turn your accounts and bank statements into a bank-ready application, take it to the banks and schemes that suit your business, and negotiate the offer before you sign. Our founder has been arranging business financing since 2013.
Estimate only. Your actual rate and terms are set by the bank.
Bank names are trademarks of their owners. AM CONSULT is independent and not affiliated with any bank.
Three types of financing, depending on the size of your business and how much you need.
Small businesses and sole proprietors
RM50k – RM100k
For stock, equipment and working capital, through banks and government microfinance programmes.
Small and medium companies
RM100k – RM10M
Working capital, trade lines, machinery and property financing, including SJPP and CGC-guaranteed facilities for companies with less collateral.
Companies above SME size
RM1M – RM20M
Larger term loans, project, property and trade facilities, and refinancing for established companies with audited accounts.
Business size follows the official SME definition by SME Corp Malaysia. Banks may use their own criteria.
Most companies we work with need one of these. Many need two, such as a term loan plus a trade line.
Cash for stock, payroll, supplier payments or a new contract, repaid in monthly instalments.
Typically up to 7 years
SJPP or CGC guarantees 70% to 80% of the loan, so the bank needs far less property as security.
SJPP: up to RM10 million per company
Buy or refinance your factory, warehouse, office or shoplot, or release cash from property you already own.
Up to 25 years
Letters of credit, bankers' acceptance, trust receipts, bank guarantees and overdrafts for import, supply and tender work.
Revolving, 90 to 180 day cycles
Funding to carry out a contract or project you've won, such as a government or private tender, with drawdowns matched to project milestones.
Based on contract value and timeline
Hire purchase for machinery, trucks, vehicles and equipment, new or used.
Typically up to 7 years
Combine expensive short-term borrowings into one facility with a longer tenure and a lower monthly commitment.
Structured around your cash flow
Tell us what the money is for. We'll recommend the right facility in your free assessment.
Ask usEight steps, and you know what happens at each one. On average it takes 3 to 5 weeks from complete documents to disbursement.
Step 1 of 8
Day 1
Free consultation
You sign our engagement agreement, and we start preparing your application.
Syarikat Jaminan Pembiayaan Perniagaan (SJPP), owned by the Ministry of Finance, guarantees 70% to 80% of a bank’s financing to eligible Malaysian companies. With most of the risk guaranteed, banks can approve facilities that would otherwise need property as security. You apply through a participating bank; we prepare the application and choose the right scheme.
Open until 31 December 2026
Bank Negara Malaysia's relief financing for SMEs, including micro enterprises, whose cash flow has been hit by trade and supply chain disruptions.
Applications through participating banks from 15 May 2026 until 31 December 2026, or until the fund is fully used. Subject to eligibility and bank approval.
| Scheme | Guarantee | Financing per company | Fee (p.a.) |
|---|---|---|---|
| WCGSWorking Capital Guarantee Scheme | 70% | RM100k – RM10M | 1.0% |
| WCGS-XExport | 80% | RM100k – RM10M | 0.75% |
| ADGSAutomation & Digital | 80% | RM100k – RM10M | 0.75% |
| WCGS-BBumiputera | 80% | RM100k – RM3M | 0.75% |
| WCGS-WWomen | 80% | RM100k – RM1M | 0.75% |
| WCGS-SUStart-up | 70% | RM100k – RM500k | 0.75% |
Source: sjpp.com.my, October 2026. SJPP also offers the Government Guarantee Scheme MADANI 2026 (GGSM4), and CGC (Credit Guarantee Corporation) offers similar guarantees through banks. Terms change, so we confirm the current terms when we assess your case.
AM CONSULT is independent and is not an agent of SJPP, CGC or the Ministry of Finance. Approval and terms are decided by the bank and the guarantor.
Management accounts, cash-flow projections and a credit paper that answers the questions a credit committee will ask, not just a pile of documents.
We check CCRIS, CTOS, gearing and account conduct first. If something needs explaining, we explain it in writing with supporting documents.
Each bank's appetite differs by sector and changes through the year. We approach the banks that fit your case, so you can compare real offers.
We go through the rate, margin, security and covenants with you, and negotiate where there is room.
An independent business financing consultancy based in Kuala Lumpur. Our founder has been arranging business financing since 2013.
To help Malaysian businesses, from micro enterprises to established companies, get the financing they need on fair terms, by preparing honest, bank-ready applications and guiding every step from assessment to disbursement.
To be Malaysia's most trusted business financing consultancy, known for transparency, integrity and real results for the businesses we serve.
Three recent cases. Client names are withheld for confidentiality.
Kuala Lumpur
Kuala Lumpur and Selangor
Selangor and Kuala Lumpur
Past results do not guarantee future approvals. Every application is decided by the bank on its own merits.
Discuss a similar facilityTell us about your company and what you need. We'll reply within one working day by WhatsApp or email.
Short, practical guides on getting business financing in Malaysia, based on the cases we handle.
23 October 20265 min read
The most common reasons banks say no, and what to fix before you apply again.
Read guide23 October 20264 min read
The core documents banks ask for, what changes by business type and facility, and how to avoid delays.
Read guideYes. We arrange micro financing from RM50,000 to RM100,000 for sole proprietors, small enterprises and newer companies, SME financing from RM100,000 to RM10 million, and corporate financing from RM1 million to RM20 million. The first assessment is free for all of them.
No. AM CONSULT is an independent business financing consultancy. We don't lend money or take deposits. We prepare your application and work with licensed banks and development financial institutions, which make the lending decision.
The first assessment is free, with no obligation. If we take on your case, the consultation fee and success fee are set out in a written engagement agreement before any work begins, so you know the full cost upfront.
Often, yes. Government guarantee schemes from SJPP and CGC cover 70% to 80% of the bank's risk, which lets banks approve working capital facilities without property as security.
Syarikat Jaminan Pembiayaan Perniagaan is owned by the Ministry of Finance. Its schemes guarantee 70% to 80% of financing from participating banks to majority Malaysian-owned companies, up to RM10 million per company under WCGS, WCGS-Export and ADGS. The guarantee fee is 0.75% to 1.0% a year. We check which scheme fits and prepare the application through a participating bank.
Minor or past late payments don't automatically rule you out. We review your reports first. Where there is a genuine explanation, we document it with evidence for the bank. Recent serious defaults are harder, and we'll tell you honestly if it's better to wait.
It's harder, but possible. Most banks prefer two to three years of audited accounts, but SJPP's WCGS Start-up scheme is designed for younger companies, and some banks will consider signed contracts and the directors' track record.
Your SSM company profile, the last 6 months' bank statements for all company accounts, the latest 2 years' audited accounts plus current management accounts, directors' IC copies, and consent for a CCRIS/CTOS check.
On average 3 to 5 weeks from complete documents to disbursement: about a week to prepare the application, 1 to 2 weeks for the bank to review and issue an offer, then 1 to 2 weeks for legal documentation after you accept.
Refer them to us and earn RM500 to RM5,000 for every approved client.
Free first assessment, no obligation. Tell us what you need and we will tell you honestly what is realistic.
