We used to read these files
at the bank.
Kredit Lab is a small credit consultancy in Kuala Lumpur. We analyse SME files the way a bank does — for the business, not the bank.
Somebody reads your file before you ever speak to them.
By the time you hear an answer, the real work is long finished — and none of it is shown to you.
Your accounts are spread across three years
The ratios are computed, and the trend read
Your bank statements are read line by line
A view of your business is formed
“Does not meet our credit criteria at this time.”
No reasoning. No numbers. Often not even a reason.
Between us, we spent a long time being the people on the left. Kredit Lab does that same reading — on your side of the table, before you apply.
Meet the team.
The people who read your file.
Luqmanulhaqeem Bin Md Fauzi
Spent his banking years in commercial and SME banking. Now looks after the technology here: the analysis engines behind the reports are built and kept running in-house.
Hashim Bin Hasan
Thirty-one years in Malaysian banking: branch manager in Kuala Lumpur, head of commercial business banking in Penang, country manager for Brunei, and vice president in group corporate banking. MBA in Islamic Banking.
Mohd Zul Helmi Bin Mohamad Muhsin
Came from the Malaysian energy and public sectors, as a vendor and solutions partner to government-linked corporations and agencies — work that runs on procurement, stakeholder engagement, and relationships kept up over years. Builds our partnerships and market reach now.
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 against real cases.
Ours is 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: the sample reports are real, with the names taken out.
Kredit Lab is a brand of Capital Island Sdn Bhd.
Capital Island Sdn Bhd was incorporated in July 2023 and operates from Wisma Central, Jalan Ampang, Kuala Lumpur. The company works across credit consultancy and financial technology — Kredit Lab is where the two meet.
What we hold to.
Public Good
Healthy businesses employ people and pay their suppliers. Making one bankable is useful work. That is reason enough to do it properly.
Trust
You hand us your accounts, and in advisory work your bank statements. We use them for your work — not sold, not used to train anything. It is why we keep our track record private.
Know Before You Commit
The bank reads your file before anyone speaks to you. You do not. We close that gap before you apply.