SME Loan Advisory Services

We Help People In Solving Issues

Need more cash flow to expand your business? Stress out due to loan approval issue?
Let’s fill up the form below, we will get to know more about your business and surely will help you out!



To determine your loan eligibility in applying a SME loan from the bank, our financial advisor provides you a clear understanding of your financial standing by checking below steps:

a) Company & Director Profile Screening

b) Calculation Of DSR

c) Checking On CTOS

d) Documentation Reviewing



We understand that the SME loan application process can be challenging, especially when dealing with incomplete documentation. Don’t worry; we’re here to guide you through every step of your journey.


Staging Of

We offer a concise overview of your financial situation, summarize your financial plan, execute it efficiently, establish a clear timeline for the entire loan application process, and ensure the success of your loan application.


Business Debt

Business debt consolidation is a financial strategy where a business combines its various outstanding debts, such as loans, credit lines, or other financial obligations, into a single, more manageable loan or credit facility. This new consolidation loan offers more favorable terms, like a lower interest rate or extended repayment period, which can help to reduce the financial burden on the business. It simplifies the debt management process by streamlining multiple payments into one, making it easier to manage and improve the company’s overall financial health.



Our SME loan services offer essential financial support to entrepreneurs and business owners who seeking to invest in property. Whether it’s acquiring residential or commercial real estate, funding property development or renovation, financing rental property investments, or covering property management costs, our SME loan services provide the capital needed to enter and succeed in the real estate market. With customizable loan options, expert guidance, and the potential for long-term wealth building and diversification of business assets, our services empower you to leverage the benefits of property investments while preserving your working capital and ensuring your business’s financial stability.

J.E.S Advisory

51-8-D1 Menara BHL, 
Jalan Sultan Ahmad Shah,
10450 George Town,
Pulau Pinang.

Get In Touch

Office Hotline

+604 285 3230


WhatsApp / Call

+6017 971 8188


General Inquiries