Check Eligibility
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Loan consultancy · Malaysia

We work with the banks, on your behalf.

SMN Capital Solution structures and submits your personal loan, credit card, SME loan and cash-out property refinance applications to our partner banks — so your case is presented properly the first time.

Check Eligibility Estimate instalment

Four services, handled end to end. Every engagement starts with a review of your documents and ends with a submission the bank can assess quickly.

Our services

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Personal Loan

Unsecured financing arranged for salaried and self-employed applicants with documented income.

  • Salaried, commission and business income
  • Tenure matched to affordability
  • One consolidated document pack
Learn more
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SME Loan

Business financing for Malaysian SMEs, such as term loans and working capital, with your case prepared for the bank.

  • Term financing and working capital
  • Financials and bank statements prepared
  • Submitted to suitable partner banks
Learn more

Instalment estimator

Enter an amount, a tenure and an indicative rate to see roughly what a monthly instalment could look like.

Indicative placeholder rate — not a quotation.

Estimated monthly instalment

RM 966.64

Total payable
RM 57,998.40
Method
Reducing balance

Estimate only. Actual rate and approval are subject to the bank's assessment.

Open the full estimator

How it works

  1. 01

    Consultation

    We discuss your goal, income type and existing commitments, then set a realistic target.

  2. 02

    Document review

    We check your documents for gaps and inconsistencies before any bank sees them.

  3. 03

    Bank submission

    We submit to the partner banks whose criteria best match your profile and track the case.

  4. 04

    Approval & disbursement

    We walk you through the offer, the conditions attached, and the disbursement steps.

One profile, several banks, one honest assessment

Check Eligibility

One profile, several banks

We know what each partner bank looks for and submit where your case is strongest.

Honest assessment first

If your profile is not ready, we say so and tell you what to fix before applying.

Documents handled properly

Incomplete paperwork is the most common cause of delay. We close those gaps upfront.

You stay informed

You know where your application sits and what the bank is asking for at every stage.

The SMN Capital Solution team
Two people discussing an application in an office
A hand signing a document

Documents checklist

Typical requirements. Individual banks may ask for more depending on your profile. Select a loan type to see the checklist.

See the full checklist

Salaried

  • MyKad (front and back)
  • Latest 3 months salary slips
  • Latest 3 months bank statements
  • EPF statement or EA form

Self-employed

  • MyKad (front and back)
  • SSM business registration
  • Latest 6 months business bank statements
  • Latest tax return (Form B) and receipt

Frequently asked questions

How do my CTOS and CCRIS records affect my application?

Banks review your CTOS and CCRIS records as part of every assessment. We review them with you at the start so we understand your position, and we advise which banks are realistic and what you can improve. We cannot remove, alter or bypass these records, and no application skips a credit check.

What do you charge, and when?

Fee structure is to be confirmed and will be stated in writing before any engagement begins. You will always know the amount and the timing in advance, and you can decline at that point.

How long does the process take?

Timelines depend on the loan type, the completeness of your documents and the bank's own queue. Placeholder guidance: personal loans are usually faster, while property refinancing takes longer because of valuation. Guidance for credit card and SME loan applications, and confirmed ranges, to be supplied by SMN.

Who is eligible to apply?

Generally Malaysian citizens or permanent residents of working age with documented, verifiable income — salaried, commission-based or business. For an SME loan, the bank assesses the registered business as well as its directors or owners. Each bank sets its own minimum income, age and commitment criteria.

What documents will I need?

It depends on the loan type and whether you are salaried, self-employed or applying for a business. The checklist above covers the usual requirements; a bank may request additional documents during assessment.

Which banks do you work with?

We work with a panel of licensed Malaysian financial institutions. The confirmed list will be published here once partner agreements are finalised.

Check your eligibility

Share a few details and a consultant will review which of our partner banks fit your profile. No fees are charged to submit an enquiry.

  • No fees are charged to submit this enquiry.
  • Your details are used only to assess which partner banks fit your profile.
  • Approval and final terms remain entirely with the bank.

Preferred contact

Submitting an enquiry does not create an application. Approval remains with the bank.