Unlock the capital needed to expand your business, purchase equipment, or invest in new opportunities.
- Financing Options
Immediate access to short-term funding to maintain cash flow and manage operational expenses.
Finance your import/export transactions with flexible credit facilities to optimize your supply chain.
Strengthen your credibility with secure commitments for contracts and projects.
Long-term financing for large-scale investments such as property acquisition, heavy machinery, or infrastructure upgrades.
Business Loan Process
Getting to Know Your Business
Friendly Consultation & Needs Assessment
We begin by understanding your business goals and funding needs. Whether it’s for growth, working capital, or asset acquisition.
Gaining Clarity on Business Finances
Eligibility Review & Financial Insights
Evaluate your company’s financials, cash flow, and credit standing.
Discuss available business loan options and bank expectations.
Building Your Funding Strategy
Tailored Loan Structuring & Comparisons
Compare loan types and bank offers.
Explore government-supported schemes (e.g. SJPP, BNM).
Clarify collateral or guarantor requirements if applicable.
Loan Application & Documentation
Application Support & Document Guidance
Help prepare your loan application.
Ensure submission of required documents (e.g. SSM forms, bank statements, financials).
Loan Processing & Approval
Liaison with Banks & Offer Finalisation
Coordinate with banks for evaluation and approval.
Review and accept the Letter of Offer.
Assist with legal and agreement signing.
Loan Disbursement
Funds Released & Usage Monitoring
Ensure smooth disbursement of funds.
Guide on usage conditions if tied to specific purposes (e.g. equipment purchase).
Post-Loan Support
Ongoing Management & Future Planning
Set up repayment reminders and track obligations.
Advise on top-ups, restructuring, or future financing needs.
- Our Clients
Business Loan Case Study 1
Marine Finfish Farming - Grouper
Location: Langkawi, Malaysia
Objective: To revive the business post-pandemic and support expansion efforts, including infrastructure repairs, cultivation of fingerlings, and preparing for harvest in the next 8 months.
Solutions
Provided by Credit Secure & SunCapital
Challenges
Financial deterioration due to the pandemic.
Insufficient cash flow to maintain and repair farm facilities.
High upfront costs for fingerlings, feed, and farm operations..
Required funding of RM5 million, structured across three tranches.Business Loan Strategy
Conducted in-depth business and financial analysis.
Developed forecasts and repayment strategies.
Prepared and submitted professional term sheets to the bank.
Advised on structuring the funding in stages to match operational cycles.Outcome & Benefits
Successfully secured RM1.5 million (first tranche) from Agro Bank to restart operations, with the next tranches planned as the farm progresses.
- Our Clients
Business Loan Case Study 2
Solar PV Systems
Location: Malaysia
Objective: To support business expansion and secure working capital for new projects, including large-scale solar farms, rooftop systems, and hybrid solar solutions.
Solutions
Provided by Credit Secure & SunCapital
Challenges
RM20 million needed to cover expansion, upfront equipment costs, and EPCC contract commitments.
Existing turnover could not fully justify the loan amount.
Required a mix of Term Loan, Overdraft, and Revolving Credit facilities.
Business had strong future prospects with multiple long-term and supply contracts in the pipeline.Business Loan Strategy
Assessed the company's financials and future potential.
Structured a comprehensive funding proposal combining multiple facilities.
Positioned the request across two banks to increase approval chances.
Supported the client in justifying future cash flow and contract-backed growth.Outcome & Benefits
Successfully secured a total of RM20 million in funding:
RM3 million from Bank A
RM17 million from Bank B
Funds were used to support the company’s growth pipeline and large-scale project execution.
At Sun Capital, we are here to guide you every step of the way for a smooth, transparent, and stress-free business financing journey in Malaysia, we provide comprehensive Business Loan Solutions.
Frequently Asked Questions (FAQ)
We work with SMEs across manufacturing, trading, services, and other sectors.
Loan amounts range from RM 100,000 to RM 5 million, depending on your business needs.
Approvals typically take 2 weeks to 3 months, subject to your documentation and business assessment.
