Every business has a file at the bank.
Read yours first.
Long before any decision, a credit officer forms a view of your business — from your accounts, your bank statements, your conduct. Kredit Lab's analysis is derived from real credit parameters used in the banking world. Now that reading works for you.
SME Report
See your business the way banks see it — a Financial Health Report on your audited accounts, RM500, prepared by our consultants. Typically delivered within a working day, with a 15-minute call to walk you through the findings.
Get a report → For businesses with real complexityCredit Advisory
Hands-on engagement: financial assessment, loan structuring, bank selection, submission preparation, and negotiation support. We work for you, not a lender.
How advisory works → For lenders & institutionsAnalysis Platforms
The Bank Statement Analyzer and Financial Statement Analyzer, licensed for institutional use. SaaS, private cloud, or on-premise.
Request a briefing →Judge the product, not the pitch.
The same engine clients' reports come from, run on a fictional company. Client numbers are not ours to publish.
Bank statements are analysed as part of an advisory engagement. See the Bank Statement Report sample.
We spent years on the other side of the file.
Every framework we use comes from the lending criteria Malaysian banks actually apply — the same read a credit officer gives your file before you get an answer.
A small team from Malaysian banking, reading files for a living — now reading yours before the bank does. Meet the team →
One of these is private. The other isn't.
Our track record — private
We don't publish deal tables. Other companies' numbers belong to them, and they tell you nothing about yours — your situation is your own.
Judge the work instead →What we're building — open
We keep moving. Cash flow analysis and an internal credit grade came out of our own work; more tools are in development. Nothing reaches your report until it has been tested.
More on The Lab →What we will not do
We don't sell loans you don't need. We take no broker commissions from lenders. Our analysis serves the client who pays for it — no one else. If your case is weak, we'll tell you before a bank does.
Honest limits, stated upfront
Our analysis is reliable, not infallible. Frameworks are tested for Sdn Bhd companies, up to three financial years. Risk flags are indicative indicators — not conclusive findings. We'd rather under-promise.
Not sure which door is yours?
One WhatsApp message. We'll tell you honestly — even if the answer is "you don't need us yet."
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