About Us
Meet Our Team
Purpose and Promise
Borrow with clarity.
Approved with confidence.
Transparency. Integrity. Expertise.
We didn’t start with a business plan. We started with a purpose.
Years in the financial industry showed us the same troubling pattern:
even strong, profitable, well-run SMEs struggled to access the funding they deserved.
- Applications rejected without explanation.
- Approvals far below what businesses actually needed.
- Owners left confused, misled, or afraid to even ask for help.
Business financing felt unclear, complicated, and sometimes unsafe.
We believed it shouldn’t be this way.
Three founders.
Three perspectives.
One shared purpose.
Nik started from the property and lending world, he witnessed families guided into loans they couldn’t sustain — over-leveraged lives, dreams turned into burdens. It sparked the question that stayed with him: Who is finance really serving? When he later stepped into SME financing, the issue became clearer: good businesses weren’t failing — they simply lacked someone who could explain how banks think.
Alex’s path began with financial struggle. Working multiple jobs to repay debt taught him early that money decisions shape lives. In real estate, he saw how a single loan choice could hold someone back for years. But in SME financing, he saw the opposite — clarity opened doors: expansion, new outlets, new hires, new possibilities. He realised that when used right, finance can lift a business instead of limiting it.
Jaydee saw how decisions were truly made inside the banking system. Bankers could only offer what benefited their own bank, not necessarily what benefited the business owner. Important truths were left unsaid. She knew SMEs deserved better guidance — someone willing to stand on their side, not the bank’s.
When our stories aligned,
so did our purpose.
We came from different corners of the industry, but recognised the same need: greater clarity, greater honesty, greater responsibility.
Together, we built a company grounded in truth and transparency — so business owners can borrow wisely and build confidently.
Our Success Loan Formula
The 3C Method™
From RM400 million in approved loans, we learned one thing:
Clarity increases approval.
So we transformed our experience into a structured, transparent way of working — our proprietary 3C Method™.
More clarity. Higher approval rates. Better offers.
What We Do
We help SMEs secure the right financing through structured planning, transparent guidance, and our proven 3C Method™ — so you can unlock higher approvals, better terms, and grow your business with confidence.
Leading with Experiences
Kelson Liaw
Nik
Alex Ang
Jaydee Tan
Hing
