A few words

Debt Restructuring

A debt restructuring is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process of individuals addressing high consumer debt but occasionally refers to a country’s fiscal approach to corporate debt or Government debt. The process provides the convenience of servicing only one loan and it can secure a lower overall interest rate to the entire debt load.

Requirements

First of all,you need to provide us your SSM registration of your company and 3-6 months of bank statement to proof that you have a stable income of your company if you are a business owner. If you did not register SSM for your company or your business is on cash basis, please call us. We will need to assess your business on a case to case basis.

If you are a salaried employee, you need to provide us your 3 months’ pay slips and 3 months of your bank statement. Do contact us for further information if you do not have specific qualification such as you are paid on a cash basis or if you have any problem regarding insufficient documents.

Why choose us?

Firstly, we are known for our easy to apply, fast to approve and quick to disburse loan upon approval. Next, our loans are flexible to the borrowers by allowing early settlement without penalty. And also, we do not require any upfront processing fees for the loan.

Who are we?

We usually focus in Pontian, Masai,  Kulai, Kluang, Senai, Gelang Patah, Johor Bharu and Kota Tinggi. We also have branches at other states in Malaysia, for example KL, Selangor, Penang, Melaka, Seremban and Kuantan.

Conclusion

We specialize in Johor, such as Kluang, Kulai, Senai, Kota Tinggi, Masai, Simpang Renggam, Johor Bahru, Skudai, Pasir Gudang, Yong Peng, Gelang Patah. We also have company for places outside Johor, Kuala Lumpur, Selangor, Seremban and Melaka. If you need any help in loans, we will get our team to follow up with you directly.If you have any problem regarding loan, or you need urgent cash, whether is for business or personal use, please feel free to call us. We will contact you within 24 hours and will suggest you the best loans. We can help you with your financial difficulties despite whatever situation that you are facing.

For sure,credit profile of borrowers may affect the approval rate of the loan.So, what will be the possible factors?It would be ideal credit profile if you are someone who receive cash salary.Someone who received salary that are auto-credited into their bank account will have a better credit profile.If the borrower stay at rented place but not at his own house, it will be a higher approval rate on the borrower which have his own house.Next, someone who work more than 3 years and have a quite stable position will have a good credit profile compare to someone who work for 3 months only.