Financial Resolutions for 2025: Strengthen Your Business for Long-Term Success
As we step into 2025, businesses must reassess their financial strategies to ensure resilience and competitiveness in a rapidly evolving market. Whether you’re optimizing existing resources or exploring new opportunities, aligning your financial decisions with long-term goals is essential for thriving in the year ahead. Here are six key resolutions to help your business stay […]
Income Tax or Bank Statements? Choosing the Right Document for Business Financing Applications
When applying for business financing, there is often confusion about which financial documents will help improve your chances of approval. Some say your income tax returns are the key, as they show that your business is profitable and compliant with tax regulations. On the other hand, others argue that a strong bank statement is essential […]
5 Reasons Why Bank Alway Reject Your Company Financing Application
Securing financing is a critical step for businesses seeking growth and expansion. However, this process can often be more challenging than expected, especially when potential roadblocks hinder your application. Understanding these barriers and how to address them is essential for strengthening your financing application and increasing your chances of approval. Here are some common challenges […]
Navigating Inflation: Essential Tips for Malaysian SMEs
Inflation is an ongoing challenge for businesses across the globe, and Malaysian SMEs are no exception. The rising costs of goods and services can squeeze profits, strain cash flow, and test the resilience of even the most well-prepared companies. However, with a strategic approach, SMEs can manage inflation’s impact and even find opportunities for growth. […]
Understanding Debt Service Ratio (DSR): How It Affects Loan Approvals
Debt Service Ratio (DSR) is a crucial metric that financial institutions use to evaluate a borrower’s capacity to repay loans. Whether you’re an individual applying for a personal loan or an SME seeking funding for growth, understanding your DSR is essential to improving your chances of approval. In this article, we’ll break down what DSR […]
Rebuilding Financial Stability: Practical Steps to Overcome Debt Challenges
Missing payments and mounting bills can disrupt anyone’s financial stability. However, with the right strategies, you can bounce back stronger and regain control over your finances. Whether you’re dealing with credit card debt, personal loans, or other obligations, taking proactive steps is the key to ensuring a brighter financial future. Here’s how you can regain […]
Avoiding Common Business Financing Mistakes: 3 Pitfalls to Watch Out For
Navigating the world of business financing can be daunting, especially for small business owners who often face challenges in securing the funding they need. A lack of preparation or awareness can lead to mistakes that severely impact your ability to grow and sustain your business. In this article, we’ll delve into three critical mistakes that […]
Budget 2025: Empowering SMEs with Business Financing and Government Grants
The Malaysian government’s Budget 2025 has introduced a wide array of incentives aimed at empowering SMEs with improved access to business financing and government grants. These initiatives reflect the nation’s commitment to fostering economic growth, enhancing SME resilience, and ensuring businesses have the tools to thrive in an increasingly competitive landscape. In this article, we’ll […]
Preserving Control While Boosting Business Cash Flow: The Smart Path to Growth with Grand Capital Advisory
Having investors on board can significantly boost your company’s cash flow and provide the financial resources you need to scale. However, there’s a trade-off. Bringing in investors often means giving up equity and relinquishing some control over your company. Investors typically expect to be involved in major decision-making processes, which can sometimes limit your autonomy […]
Understanding CCRIS Credit Facility Status Codes: How Grand Capital Advisory Can Help You Get SME Loan Approvals
When applying for an SME loan, lenders assess your creditworthiness using various tools. One key tool is the CCRIS (Central Credit Reference Information System) report. This report provides a summary of your repayment history, including details about outstanding credit, rescheduling, restructuring, or financial assistance programs. At Grand Capital Advisory, we help SMEs understand their CCRIS […]