Banks don't explain rejections. Brokers push products. And you're left guessing what went wrong. Kredit Lab gives you two bank-ready lenses: a Financial Health Report for your statements and a Bank Statement Report for the cashflow story inside your transactions.
Ratios, margins, debt capacity, funding gaps, and bank-style risk flags from your financial statements.
Transaction patterns, cash inflows and outflows, bounced payments, statutory payment gaps, and account behaviour red flags.
Banks evaluate your business through a specific lens — ratios, coverage metrics, funding gaps, cash cycles. You've never seen this view.
Without it, you're vulnerable. Vulnerable to consultants who push loans you don't need. To brokers who earn when you sign — not when you succeed. To solving the wrong problem with expensive debt.
That gap between how you feel about your business and how institutions see it — that's where bad decisions happen.
We've seen it too many times: a business owner takes a "working capital" loan because someone told them to. Six months later, they realise the real problem was debtor collection — or cost structure — or a funding mismatch.
Now they have the original problem plus a loan to service.
Send your financial statements for a Financial Health Report, bank statements for a Bank Statement Report, or both for the full view.
Built from real banking frameworks — ratios, coverage, funding structure, cashflow behaviour, transaction patterns, and risk flags.
An interactive Financial Health Report, Bank Statement Report, or combined review with clear findings and prioritised recommendations.
Everything a credit officer would analyse, explained in a way that actually helps you make decisions — from financial statements to bank statement cashflow behaviour.
Know your position before you apply — and which banks to approach.
Understand why it happened and what to fix before trying again.
See your company through their eyes before the pitch.
Prove financial capability for tenders that require it.
Check if you can actually afford it — before committing.
Understand your financial health and bank account behaviour without the sales pitch.
Okay, let's do the math. Without this report, here's what usually happens:
Total damage: 4-6 months, burnt credit file, lost opportunities.
From RM500. One report. One day.
Know where you stand. Know what to fix. Know which banks to approach.
No guessing. No wasted months. No rejections you could've avoided.
From RM500 isn't expensive. It's the cheapest insurance you'll ever buy.
Pricing depends on complexity — but we'll always confirm before you pay. No surprises.
Review sample outputs for both our Financial Health Report and our expanded Bank Statement Report — including cashflow patterns, account activity, transaction classification, and risk flags.
Interactive sample — explore all sections, toggle dark mode, see the full structure
Anonymised example — names and account-identifying details are masked while preserving the review format
No fine print tricks. No corporate speak. Here's exactly what you're getting.
Our analysis is built from real banking frameworks — the same credit logic used inside financial institutions — accelerated by AI for speed and consistency.
The technology does the heavy lifting. The frameworks come from real experience.
Our analysis is thorough and accurate — but no system is perfect. Unusual accounting treatments or creative structuring might need a closer look.
If something in your report doesn't look right, let us know and we'll review it.
Think of this as a powerful lens to see your business clearly — not a crystal ball.
We take your data seriously. Here's what you should know:
Full details on how your data is handled are outlined in our service agreement.
Business owner, consultant, investor, accountant — we don't ask why you need the report.
You send payment + documents. We analyse. Simple.
Just make sure you have the right to use the data you're submitting.
💬 Why are we telling you all this?
Because we believe clarity starts with honesty — including about our own limitations. If we're asking you to trust us with your financial data, the least we can do is be straight with you about how we work.
Send us your financial statements, bank statements, or both. We'll send you back the truth about your business — the same analysis a bank would do, explained in a way that actually helps you.
No jargon. No sales tactics. Just clarity.
Have questions before ordering? Want to check if your documents are sufficient? Just reach out.