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Loan Comparison & Advisory

Reviewing products for: TechVanguard Solutions Sdn Bhd

bolt AI INSIGHT Updated 2 mins ago

Matching Summary

Based on the extracted financial statements, the client shows a strong Debt Service Cover Ratio (DSCR) of 1.8x. We recommend a hybrid approach: **CGC-backed Bank Loan** for core CAPEX and **P2P Financing** for immediate working capital needs.

Max Eligibility

RM 2.5M

Health Score

84/100

Financial Institution Interest Rate (p.a) Tenure Max Amount Eligibility Score Action
account_balance

Maybank SME Clean Loan

No Collateral Required

 4.25% - 5.50% Up to 7 Years RM 500,000
92%
account_balance

Public Bank BizXtend

Asset-backed Financing

 3.88% - 4.20% Up to 15 Years RM 2,000,000
78%
bolt

Funding Societies

Fast Approval

Working Capital Invoice

 8.00% - 12.0% 3 - 12 Months RM 100,000
98%
verified_user

SME Technology Scheme (SJPP)

80% Government Guarantee Cover

 3.50% - 4.50% Up to 10 Years RM 10,000,000
95%
security

CGC BizMaju Guarantee

Credit Guarantee for High Growth SMEs

 4.50% - 5.25% Up to 5 Years RM 1,000,000
88%

Eligibility Factors

DSCR Ratio 1.8x (Excellent)
Years in Business 5+ (Strong)
CTOS Score 740 (Good)
Revenue Trend +12% YoY

Consultant Tip

"Highlight the stable cash flow in the SJPP application to lock in the 80% guarantee."

Monthly Repayment Simulation

RM 6.2k
RM 7.1k
RM 8.4k
RM 7.8k
3 Years 5 Years 7 Years 10 Years