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Business Loans
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.
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.
Working Capital Loans
Medical Equipment & Maintenance Services
Location: Malaysia
Objective: To obtain working capital to support ongoing maintenance contracts and manage operational costs across multiple hospitals.
Solutions
Provided by Credit Secure & SunCapital testing
Challenges
Cash flow strain due to simultaneous execution of several service contracts.
Required RM5 million in working capital to maintain healthy cash flow and sustain a RM35 million annual turnover.
Working Capital Loan Strategy
Identified suitable financing mix, including Term Loan, Overdraft, and Trade Facility.
Advised on documentation and structured the funding request to reflect recurring income from service contracts.
Phased the funding in two parts to align with cash needs and approval limits.Outcome & Benefits
Successfully secured RM3.5 million in working capital financing, with the remaining RM1.5 million to be secured in a separate tranche.
Home Loan Refinancing
En. Hakiem
Property Value: RM700,000
Existing Loan Balance: RM450,000
Objective: To reduce monthly repayments and save on interest costs.
Challenges
Had been paying off his home loan for several years but noticed that interest rates had dropped.
Wanted to reduce financial burden and free up cash flow for his family.
Unsure about the refinancing process and potential savings.Home Loan Refinancing Strategy
Evaluated his existing loan and identified an opportunity to refinance at a lower rate.
Secured a new home loan at 3.8%, down from his previous 4.55% interest rate.
Structured the loan to lower monthly installments by RM300, improving cash flow.
Calculated total savings of approximately RM90,000 in interest over the loan tenure.Outcome & Benefits
Lower monthly repayment, reducing financial stress.
Significant interest savings, freeing up funds for future needs.
Extra cash available to plan for his 8-year-old daughter's education fees.
Achieved financial flexibility while maintaining homeownership security.Conclusion
En. Hakiem successfully reduced his loan costs and improved his financial well-being, allowing him to invest in his family's future.
Housing Loan Solutions
Ms. Evon Lee
Property Value: RM500,000
Objective: To purchase her first home in Kuala Lumpur with minimal financial burden.
Solutions
Provided by Credit Secure & SunCapital
Challenges
Limited savings for a large down payment.
Concerned about high-interest rates affecting long-term affordability.
Unsure about loan approval chances as a fresh graduate with a short credit history.Home Loan Strategy
Provided step-by-step guidance on loan eligibility and financing options.
Secured a 90% + 5% loan package, reducing her upfront cash requirement.
Negotiated a 3.4% interest rate, lower than typical market offerings.
Helped her strengthen her loan application profile, improving approval chances.Outcome & Benefits
Successful loan approval, allowing her to own her first property.
Lower down payment requirements, making homeownership more accessible.
Optimized loan terms to save on interest costs in the long run.
Gained financial confidence with professional guidance throughout the process.
Refinancing Cash Out
Ms. Tan
Property Value: RM1.5 million
Existing Loan Balance: RM700,000
Objective: Access capital to expand her restaurant business.
Challenges
Needed RM450,000 capital for renovations and expansion.
Wanted to avoid high-interest business loans.
Needed to maintain steady cash flow and manageable repayments.Refinance Cash Out Strategy
Refinanced to RM1.35 million (90% of property value)
Cashed out RM650,000
Secured 3.85% p.a. interest rate—lower than business loan options.
Adjusted loan tenure to keep monthly payments affordable.Outcome & Benefits
Gained RM450,000 for her new restaurant, plus RM200,000 buffer.
Avoided high-cost business loans.
Maintained strong monthly cash flow.
Leveraged home equity to grow her business sustainably.Conclusion
Ms. Tan successfully funded her business expansion without taking on high-cost debt. By leveraging her property’s equity, she secured a low-interest loan that allowed her business to grow while keeping finances under control.
Debt Consolidation
Mr. Daniel Wong
Property Value: RM800,000
Existing Loan Balance: RM400,000
High-Interest Debts: RM120,000 (Credit Cards & Personal Loans)
Objective: To reduce financial burden by consolidating debts into a lower-interest home loan.
Challenges
High monthly repayments across multiple debts.
Credit card interest at 15–18%, personal loans at 7–9%.
No clear path to regain financial stability.Debt Consolidation Strategy
Refinanced to RM550,000 (70% of property value)
Used RM150,000 cash-out to settle all high-interest debts.
Secured 3.85% interest rate—significantly lower than prior debts.
Reduced overall monthly commitments by RM1,200.Outcome & Benefits
Cleared RM120,000 in high-interest debts.
Reduced total monthly repayments and financial pressure.
Simplified payments into a single installment.
Boosted credit score and regained control over finances.Conclusion
Mr. Daniel Wong successfully consolidated his debts, lowered his financial burden, and regained control over his finances.
