Manage your cash flow effectively and cover operational expenses with ease.
Our working capital solutions are designed to bridge gaps during periods of financial strain.
- Financing Options
Flexible short-term funding to support daily operations and manage unexpected cash flow needs.
Access funds on-demand with a revolving limit. Ideal for businesses with fluctuating capital needs.
ncludes Letter of Credit (LC), Trust Receipts (TR), and Banker’s Acceptance (BA) to support procurement and fulfilment cycles.
Structured short-tenure financing for urgent working capital injections without long repayment periods.
Working Capital Loan Process
Understanding Your Business Needs
Friendly Consultation & Needs Assessment
We start by learning about your cash flow cycle and short-term financial requirements.
Reviewing Your Financials
Eligibility Review & Financial Insights
We assess your latest bank statements, payment schedules, and income trends to evaluate your working capital position and match you with suitable funding solutions.
Structuring The Right Facility
Facility Matching & Strategy
Based on your cash flow cycle, we recommend the right facility such as overdraft, revolving credit, or short-term financing and structure it to meet your repayment capacity.
Application & Documentation
End-to-End Guidance & Submission
We help compile all required documents, fill in the bank forms, and submit your application to the right lender, streamlining the process to avoid delays.
Approval & Disbursement
Coordination With Banks & Timely Release
We follow up closely with the banks, assist with agreement signing, and ensure fast disbursement so funds are available when you need them.
Ongoing Support
Post-Funding Support & Top-Ups
We stay connected after disbursement, assisting with renewals, top-ups, or restructuring as your business grows or circumstances change.
- Our Clients
Working Capital Loans Case Study
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.
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 Working Capital 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.
