Testimonial

I was impressed by their professionalism and attention to detail. A fantastic
experience from start to finish!

Ah Qiang runs a mobile repair shop. During MCO, business dropped drastically, but he still had to pay rent and staff. Though he had a business license and bank statements, multiple banks rejected him. We helped him organise his documents and secured an RM80,000 personal loan. Funds arrived within 2 days—he reopened and business is now stable.

MS LIM an admin assistant, had accumulated over RM45,000 in credit card debt over the years. Paying only the minimum monthly made things worse. After coming to us, we helped her consolidate all her debts into a RM50,000 personal loan. Now she only pays around RM700/month with much lower interest. She's finally stress-free and sleeps peacefully at night.

Mr. Amir works in the government sector earning RM4,500. He had RM40,000 in credit card debt and was paying RM1,500/month just on interest.

I helped him secure a RM50,000 personal loan. He cleared all cards and now pays only RM900/month. Finally, he’s debt-free and at peace.

Mr. Amir, a civil servant, earns RM4,500. But he was drowning in RM40,000 credit card debt, paying RM1,500/month just on minimums.

After 2 failed attempts, he came to me. I helped restructure his profile and applied to the right bank.

He got RM50,000 personal loan — cleared all debts and still had RM10,000 left over!

Mr. Salleh, a retired government staff, had multiple loans and wanted to consolidate. Banks rejected him outright.

I reapplied under Debt Consolidation structure using his pension proof and house documents.

Got RM90,000 approved — cleared all debts and had extra RM5,000 for peace of mind.

Mr. Alvin, a mid-level executive earning RM8,000/month, was overwhelmed by credit card and personal loan debt — paying RM3,000/month.

I helped him refinance his property and cash out RM120,000. He used it to clear all existing debts and kept RM10,000 as emergency cash. His new home loan repayment is much lower and more manageable.

Mr. Lim wanted to renovate his house and save for his child’s university education. Personal loan rates were too high.

I helped him refinance and cash out RM100,000 at only 3.5% interest. He renovated the whole kitchen & bathrooms, and set aside RM30,000 for education.

Mr. Jason is a sales manager earning RM7,200 a month. Because of his tight work schedule, he didn’t have time to compare loan options across different banks.

He applied at one major bank based on a friend’s advice — rejected. Then tried another — rejected again. He started to believe he simply wasn’t eligible.

When he came to me, I reviewed his documents and saw the real issue — he didn’t match the bank’s profile, but he was actually very eligible.

I guided him to apply at a bank more suited to his financial background and included a proper financial explanation letter.

Within just 2 weeks, the loan was approved — and he received RM30,000 in cash flow!

He told me, “If I had found you earlier, I could’ve saved all that time and stress.”

Puan Shahida is a government servant with stable income and good credit. But her loan was rejected 3 times.

She was confused — “I’m a civil servant, why can’t I get approved?”

After reviewing her case, I explained that some banks are stricter with koperasi loans, especially when the debt ratio is high.

I recommended a more flexible bank and helped her restructure her documents and explain her finances clearly.

Within 2 weeks, her loan got approved!

She said, “Thank you for showing me it wasn’t me — I was just applying to the wrong banks.”

Mr. Chan is a renovation contractor who runs his own business. He applied for personal loans several times, but all were rejected. He started to lose hope.

He asked me, “Am I just not qualified?”

After reviewing his case, I realized the issue wasn’t his eligibility — it was the banks he applied to. They weren’t favorable to self-employed applicants.

I helped him reapply at a bank that accepts business income documentation, along with a supporting explanation letter.
Three weeks later, his loan was approved — and he got RM10,000 in cash flow for his business.

He later said, “I thought I wasn’t qualified. But the truth is, I just went to the wrong place.”

Puan Aida, a government servant, had 2 koperasi loans, a personal loan, and a credit card — RM3,200 total monthly payments.

I helped her consolidate into a single loan. Now she only pays RM1,600 monthly — half the previous amount! She finally has room to save for her children's education.