Business Reserve Fund Up to 300K, No Collateral Required
Fastest 24-hour fund disbursement. We are a KPKT certified legal credit company, providing professional services for KL and Selangor residents.
Wawasan Sri Bumi
More Than Just a Credit Institution, Your Trusted Financial Partner
Over the past 22 years, rooted in Malaysia (primarily KL & Selangor), we have witnessed countless SMEs rise from their lowest points back to their peaks and helped many families navigate through unexpected financial crises.
We understand that when you are under financial pressure, the last thing you need is a cold machine audit and heartless rejection. Therefore, we insist on a "People-First" evaluation logic—we are willing to listen to your story, valuing your true intent to repay and current actual income, rather than rejecting you solely based on a flawed CTOS/CCRIS score.
Legal, transparent, and 100% confidential—these are the bottom lines our team of 150 members adheres to every day. Your trust is our greatest motivation.
Meet Our Senior Consultant Team
Say no to automated replies; we provide 1-on-1 personalized human service.
Mr. Jason
Chief Loan Analyst
"I believe every business has its low periods. My responsibility is to find your strengths and match you with the lowest interest rate and most reasonable turnaround plan."
Ms. Sarah
Customer Success & Audit
"I will never directly reject a blacklist client. As long as you have stable proof of income, I will do my best to fight for your approval chance."
Mr. Hafiz
Senior Personal Loan Consultant
"We understand your situation. Our process is fast, transparent, and most importantly—100% safe with no hidden fees."
KPKT Registered Legal Credit Institution
We strictly obey the law and regulations set forth by the Money Lending Act 1951.
KPKT License No: WL5666/10/01-9/101024
Why Choose Our Loan Services?
Breaking Traditional Lending Barriers
- Acceptance of individuals in CTOS/CCRIS Blacklist
- Acceptance of AKPK participants
- Acceptance of Cash Income workers
Eligibility & Required Documents
Who Can Apply?
- Malaysian Citizens Only, 18+ (No Foreigners)
- AKPK Participants Accepted
- Cash Income Accepted
- CTOS/CCRIS Blacklist Accepted
- Minimum Monthly Salary RM1800 (Bank statement proof)
- Proof of Income (Bank Statement/Payslip)
- Must apply in person
Personal Loan Documents
- - Copy of NRIC (IC)
- - Latest 3 months Payslips
- * Min. Salary RM1800 (Foreigners not accepted)
Business Loan Documents
- - Copy of NRIC (IC)
- - 3 Months SSM Registration
- - 3 Months Bank Statements
Repayment Matrix (1.5% Interest)
Loan Amount from RM5,000 up to RM300,000
| Loan (RM) |
|---|
* Amounts are for reference only. Final terms subject to approval.
Eligibility & Required Documents
Who Can Apply?
- Malaysian Citizens Only, 18+ (No Foreigners)
- AKPK Participants Accepted
- Cash Income Accepted
- CTOS/CCRIS Blacklist Accepted
- Minimum Monthly Salary RM1800 (Bank statement proof)
- Proof of Income (Bank Statement/Payslip)
- Must apply in person
Personal Loan Documents
- - Copy of NRIC (IC)
- - Latest 3 months Payslips
- * Min. Salary RM1800 (Foreigners not accepted)
Business Loan Documents
- - Copy of NRIC (IC)
- - 3 Months SSM Registration
- - 3 Months Bank Statements