SECURED LOAN

Borrow More Money, at a Lower Interest Rate

SECURED LOAN

Borrow More Money, at a Lower Interest Rate

Need extra funds to expand your business or refinance debts? Secure a loan from Avex Credit by your choice of collateral. We accept residential and commercial properties such as shop lots, factories, and lands as collateral for the loan.

Our secured loan solution features low interest rates and flexible repayment terms. We also provide a financing amount of up to RM5 million.

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The Avex Advantage

Customizable

Customizable

We evaluate your business or personal needs to customize a loan package that will meet your funding objectives.

Flexible

Flexible

More flexible repayment options than regular loans.
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Speedy

Speedy

Quick application, even quicker approval so you can get things moving.
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Helpful

Helpful

You will have a designated loan specialist to assist you throughout the entire application process.

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1. Sole proprietorship, joint venture, limited liability partnership (LLP), and limited company (Sdn Bhd) that are classified by Bank Negara Malaysia as a Small and Medium Enterprise.

2. Application is also open to those who are self-employed, small businessmen, food operators and freelancers.

3. Business is established for at least 1 year or, the person in charge of the operation has at least 2 or 3 years or more of relevant business experience.

– Sole proprietorship, joint venture, limited liability partnership (LLP), and limited company (Sdn Bhd)

  1. CTOS Consent Form – Company (Signatures from all Directors with Company Seal are required)
  2. CTOS Consent Form – Personal (Signatures from all Directors and Shareholders are required)
  3. Statutory Documents
    • SSM (Form 9) OR Section 17
    • Form 24 OR Section 51 OR Section 78
    • Form 49 OR Section 58 OR Section 14
    • Form 44 OR Section 46
    • Memorandum of Association (M&A) OR Constitution
  1. Latest Annual Return (Section 68)
  2. Latest six (6) months of ALL bank statements
  3. Latest two (2) years of Audited Accounts
  4. Latest Management Accounts
  5. Latest two (2) years of Form C that have been submitted to Income Tax and Receipt (Company)
  6. Latest two (2) years of Income Tax submissions and receipts of all Directors and Shareholders
  7. Copies of I/C of all Directors and Shareholders
  8. Name Cards of all Directors
  9. Water and electricity bills of ALL Directors and Shareholders’ homes
  10. Latest one (1) month of ALL bank statements of all Directors and Shareholders
  11. Bank Offer Letter (Company)
  12. Latest Outstanding Loan Statement from existing bank of the property
  13. Title (Geran), Quit Rent (Cukai Tanah) and Assessment (Cukai Pintu)
  14. Sales & Purchase Agreement (SPA)
  15. Valuation report of the pledge property
  16. Site Visit [Photo of the Premises (Interior and Exterior)]

– Self-employed, small businessmen, food operators and freelancers

  1. Copy of Malaysian ID card
  2. Business Registration Document
  3. Last 6 months Bank Statements
  4. Income tax statements
  5. Asset (Collateral) details:
    • Leasehold or freehold
    • Property type including but not limited to terrace house, agriculture land, shop lot, factory
    • Name of the property owner
    • The market value of the property
    • Current Outstanding balance of the property
    • Address of the property
    • Property title/ Quit Rent (Cukai Tanah)

Our interest rates are capped by the Money Lenders Act 1951. The actual rates vary depending on the loan amount and profile of the borrower.
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Still have any questions?

Still have any questions?

Just give us a call! We would be happy to help you out.
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