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Working capital is your business operating liquidity. Get Working Capital Financing to ensure smooth operations or to upscale your business.
For businesses dealing with projects, you can get Project Financing to obtain additional cash flow through pledging the project’s assets, rights and interests.
Bridging Financing is a targeted business finance facility for companies to cover costs or to fund a project, before payments are expected. Typically taken up by real estate developers.
Invoice Financing is done through making businesses’ invoices with credit terms collateral. Businesses may increase cash flow through pledging their customers’ invoices.
Also known as Clean Loans, SME owners’ best and number one choice to increase business cash flow. No collateral is required.
Also known as Collateral Loans, collaterals such as assets, machinery and real estates are required. Caveat may or may not be applied.
CASE STUDY 1
Client 1 as a wholesaler that has been operating for 3 years saw the market demand for small quantities of packaged vegetables and wanted to open a new production line.
Annual income: RM7.8 million | Average income in the past 6 months: RM650,000
Company truck loan: RM2,500 x 5 = RM12,500 | Monthly installments of several existing business loans: RM37,500
Debt Service Ratio, DSR = (6 months Bank Crediting Average x 10%)/Commitment
= RM650,000 x 10% / RM50,000
= 1.3
This company's DSR is above 1.0, which means it still has a loan limit for bank loan. Luckily during the same time, there happened to be a PGGS scheme guaranteed by Credit Guarantee Corporation (CGC) for SME.
Therefore, CE Capital consultant guided the business owner and the company's accountant to prepare all important and related documents to submit to the bank. This includes company audit report, company's bank account statement and the Debtor/Creditor Aging List.
The process took about 2 months for CGC and bank to approve to application of RM500,000 which is under the PGGS scheme with a tenure of 9 years.
CASE STUDY 2
Client 2, the owner of an online business, started her venture in 2021 and has been stocking goods at home ever since, until she eventually acquired a warehouse. Unexpectedly, after taking out a housing loan for the warehouse in her second year, her commitments soared, making it impossible for her to secure a bank loan.
At that time, RM200,000 was urgently needed to lock in the price of imported goods. After establishing a connection, CE Capital Consultant decided to apply for investor fund on behalf of Client 2’s company.
Unsecured Business Loan Amount: RM200,000 | Installment: 12 months | Monthly Interest Rate: 1.5%
Interest Calculation: RM200,000 x (1.5% x 12) = RM36,000
Monthly Installment = (RM200,000 + RM36,000) / 12 = RM19,667
Before inflation and skyrocketing shipping costs took effect, Client 2 used this loan amount to lock in the price of her goods. Over the year, she completed six transactions, which increased her annual revenue by RM500,000.