Most business owners find out their financing application was decided long before they walked into the bank. The credit file was already written. The documents were already incomplete. The debt structure already told a story nobody meant to tell.
The Business Steering Wheel Series brings together four practitioners — from consultancy, credit reporting, alternative financing and financial advisory — to walk through what actually happens on the other side of the desk, and what you can change before you apply.
What you will take away
How banks evaluate a business, and which factors are weighted before the interview
How CTOS credit scores are built, what a business credit report reveals, and how to improve it
When P2P financing is the better fit than a bank loan — and when it is not
Which documents make or break an application, and how to prepare them
How to structure debt so a business (and a family) can survive its transfer to the next generation
Speakers
Sam Tsen — SBH Consultancy
Your loan approval is often decided before you apply.
How banks evaluate your business, how to improve financing eligibility, and how to prepare a financing application that survives scrutiny.
Angelled Quah — Alixco
When the bank says "No", can your business still grow?
How P2P financing works, which businesses are suitable for it, and what the financing process and required documentation look like in practice.
Nickkholas Cheah — CTOS
Better credit, better financing.
How CTOS credit scores affect loan approvals, practical strategies to build and improve business credit, and the key takeaways hiding in your business credit report.
Dan Ng — FA Advisory Sdn. Bhd.
A business can be passed on. So can its debts.
Protecting your family and business continuity, debt cancellation tools and strategies, and cost-effective debt planning solutions.
Sessions
SessionLanguageTimeAMChinese9:00am – 1:00pmPMEnglish2:00pm – 6:00pm
Both sessions cover the same content. Please pick one when registering.
Venue
Moores Rowland Consulting (PG) Sdn Bhd
33B Jalan Pahang, 10400 Georgetown, Penang
Who should attend
Business owners · Business successors · Directors · Finance leaders