The bank already has an opinion of your business.
Read it first.
Before anyone speaks to you, your application is judged on ratios, cashflow, and account conduct. Banks don't show you that reading. We prepare it for you — send us your documents, and our consultants deliver the report, typically within 1 working day — then take you through what it says in a 15-minute call.
The document every bank reads first.
A lending decision weighs many things — credit history, collateral, industry, management. But your financial statements carry your numbers, and they always get read. The Financial Health Report reads them the way a bank will. RM500.
Financial Health Report
What your audited accounts say — including, now, your cash flow: not just profit on paper, but where money actually came from and went.
· Your accounts spread across up to 3 financial years
· The ratios banks actually compute, with trends
· Cash flow analysis
· A plain-English verdict, and what's fixable
From your audited financial statements
And your bank statements?
A bank reads those too: month-by-month cashflow, which inflows are real revenue, and how your account conduct holds together.
We analyse bank statements as part of an advisory engagement, where they are read alongside your accounts. They are not part of the RM500 report.
Ninety seconds, if you prefer.
Why a business with the numbers still gets turned down.
Four steps.
- 1
Message us
WhatsApp or email. We'll confirm the document list (PDF copies are fine).
- 2
Our consultants prepare it
Your documents are analysed against frameworks built from real bank lending criteria, and a consultant reviews every report before it goes out.
- 3
Delivered — typically in 1 working day
Counted from complete, legible documents. Complex or multi-year cases can take longer — if so, we tell you before you pay, not after. Written in plain language, with the numbers behind every statement.
- 4
We walk you through it — included
A report you don't understand is worse than no report at all. So a consultant takes you through the findings in a 15-minute phone call or online meeting after delivery — what a bank will care about, what's fixable, and whether you're ready to apply. It's a walkthrough of your report, not a full advisory engagement; if your case needs hands-on work, we'll say so and explain what advisory would involve. Included in the RM500, no commission attached.
Three reports, three different questions.
Your bank will likely look at all three kinds of information. Here is what each one covers.
It's not a choice between them. Your bank pulls your credit record either way, so check it before they do and correct anything wrong. What that record can't tell you is whether your cash flow can carry the new facility. That is the part we read.
Real reports. Not brochures.
Bank statements are analysed as part of an advisory engagement. See the Bank Statement Report sample.
The honest truth.
Reliable, not infallible
Our analysis is right far more often than not — but no analysis can promise a bank's decision, and we never will.
Scope, stated plainly
Tested for Malaysian Sdn Bhd companies, up to three financial years. Not yet for sole proprietors or partnerships.
Your data, handled properly
Used to produce your report, never to train AI models, never sold. Kept as long as your engagement and the law need, then deleted or made non-identifying. Privacy policy.
Common questions.
Who prepares the report?
Our consultants, working with analysis systems we built in-house. A person reviews every report before it reaches you — see who we are.
What documents do I need?
Your audited financial statements, up to 3 years. PDF copies are fine — we'll confirm the exact list when you message us.
Can I get a refund?
Fees aren't refundable once analysis begins — but if we can't work with your documents, we say so upfront and refund in full, and we correct any factual error at no charge. Details in the terms.
Will this guarantee my loan gets approved?
No — and be wary of anyone who says otherwise. It removes the guesswork: you'll know how a bank reads your file before you apply.
Read your file before the bank does.
Financial Health Report · RM500 · typically delivered within 1 working day · walkthrough included.