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 testing
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.
14%
portion of savings derived from home loan solutions
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