Loans approved.
Even when banks
said no.
FM Advisory is Malaysia's specialist credit advisory. We package, position, and negotiate your loan application with the right banks — including profiles that have been flagged on CCRIS or CTOS. You only pay once your loan is disbursed.
You've heard "no" one too many times.
The Malaysian credit system isn't built for nuance. A single mark on your record outweighs years of good behaviour. That's where we come in — to put your full picture in front of the right banker.
- 01
CCRIS flagged
A late credit-card payment three years ago, a guarantor entry you forgot about — banks see it, and they say no.
- 02
CTOS blacklisted
An old dispute, a lapsed phone bill, a court summons settled years ago. CTOS never forgot — and bankers never asked the full story.
- 03
Self-employed
You earn well, but without payslips and EPF, your income looks invisible to the standard credit scorecards.
- 04
Rejection cycle
Each new application costs you another inquiry on your record. The more you try alone, the harder it gets.
Every kind of approval, end to end.
From a RM 5,000 personal cash loan to a multi-million SME facility — same approach, same accountability. We pick the bank, package the file, and walk it through.
- 01 · Service
Housing loans
First home, second home, refinancing, top-ups. We position your application against the right bank's appetite.
First-timeRefiTop-up - 02 · Service
Personal loans
Cash for emergencies, education, weddings, medical. Approved even when banks have said no in the past.
Cash advanceDebt consolidation - 03 · Service
SME financing
Working capital, expansion, BNM-backed schemes. We translate your business numbers into a lender's language.
Working capitalBNM schemes - 04 · Service
Refinancing
Trapped in a high-rate package? We renegotiate your existing facility, often shaving thousands per year.
Lower rateCashout - 05 · Service
Business loans
Sole proprietors, partnerships, Sdn Bhds. Asset-backed and unsecured options across our 50+ bank network.
Sdn BhdSole prop - 06 · Service
Collateral loans
Unlock equity in your property, fixed deposits, or business assets — fast, structured, and at fair rates.
Asset-backedFast
Three steps from rejected to disbursed.
No long forms. No upfront cheques. Just a clear path that respects your time and your record.
- Step 01~24 hours
Free assessment
Send over your situation: CCRIS/CTOS report, income picture, the loan you need. We review with no fee, no commitment, and a clear answer on whether we can help.
- CCRIS read
- CTOS read
- Honest go/no-go
- Step 025–10 days
Strategy & submission
We choose the right bank, address red flags up-front, and package a file that an underwriter can say yes to. You sign off; we handle the back-and-forth.
- Bank match
- File packaging
- Underwriter liaison
- Step 03Same day to two weeks
Approval & disbursement
Once approved, the bank disburses to your account directly. Only then do we collect our fee — agreed in writing before we begin.
- Direct disbursement
- Pay only on success
- 12-mo follow-up
Built differently. On purpose.
Most advisories take a deposit before they lift a finger. We took the opposite bet — and built our reputation on it.
- I
No upfront fees. Period.
Not for assessment. Not for processing. Not for paperwork. You pay zero ringgit until your loan is in your account.
- II
Banks know us by name.
Five years of relationships across every major Malaysian bank, local, foreign, and Islamic. Your file lands with someone we already trust, and who trusts us back.
- III
Built for the hard cases.
CCRIS marks, CTOS records, AKPK histories, post-bankruptcy reapprovals. The cases other advisors decline are the cases we specialise in.
- IV
Aligned by design.
Our fee comes after your loan is disbursed. If you don't get approved, we don't get paid. Same boat, same direction.
The people behind every approval.
A small, focused team. You speak to a real human from the first message, and the same human walks your file through to disbursement.
01 · CofounderMichelle Leong
02 · CofounderTang Hoe Fei
03 · AdminCarmen Chung
04 · StaffLiew Wing Hoong
05 · StaffGarrey Wong
06 · StaffLoh Poh Wei
Five years. One promise.
We measure ourselves on disbursement, not deposits. Below is what that's earned, in the open.
* Internal records, FM Advisory Sdn Bhd. As of 2026.
A team that shows up for each other.
Birthdays, milestones, and the unremarkable days between. The same energy we bring to a tough application file.
The work is the work.
Some of it gives back.
We set aside a portion of every successful disbursement for community causes, from orphanages and shelters to seasonal drives and local schools. It is the part of the firm we do not advertise.
Community Christmas, 2025
Year-end giving drive
Local outreach
Things people ask first.
Don't see yours here? WhatsApp us at +6014 398 8251. We reply within 30 minutes during working hours.
Tell us your situation.
Get a real answer.
Send us your loan goal and we'll come back within one business day with a clear go/no-go and a route to approval. Confidential. Zero obligation. Zero fee.
Sunway Velocity, Jalan Peel
55100 Kuala Lumpur