PH Capital Solution – Licensed Money Lender in Johor Bahru (JB) | Fast, Safe & Transparent Financing

PH Capital Solution Sdn Bhd is a fully KPKT-licensed money lender based in Johor Bahru, providing fast, safe and transparent loan services for individuals, SMEs and businesses across Johor. We focus on clear terms, responsible lending and professional service so that every customer can borrow with confidence.

Company Information

Company Name: PH Capital Solution Sdn Bhd
Address: No. 132A, Jalan Sentral 1, Taman Nusa Sentral, 79100 Iskandar Puteri, Johor.
WhatsApp (Direct): 018-918 9669
Regulation: Licensed under the Moneylenders Act 1951 & KPKT Guidelines

As a licensed money lender in Johor Bahru, PH Capital Solution is committed to lawful, ethical and transparent lending practices. All loans are documented with proper agreements and explained clearly before customers make any decision.

Why Borrowers in Johor Bahru Trust PH Capital Solution

When choosing a financing partner, borrowers look for legality, clarity and speed. PH Capital Solution is built around these principles.

• KPKT Licensed & Compliant – All loans follow government regulations and official guidelines.
• Fast Approval & Disbursement – Same-day assessments for urgent personal or business needs.
• No Hidden Fees – All calculations and repayment schedules are explained clearly upfront.
• Transparent Documentation – Every customer signs a KPKT-compliant loan agreement for full protection.
• Flexible Loan Packages – Tailored to income, cash flow and customer affordability.
• Trusted by Individuals & SMEs in JB – Proven track record serving Johor communities and businesses.
• Secure & Private – Customer documents are handled with strict confidentiality.

Our Loan Solutions in Johor Bahru

PH Capital Solution offers a full range of loan products to match different needs – from personal emergencies to business expansion and debt restructuring.

1. Personal Loan Johor Bahru

Our personal loan is suitable for employees and individuals who need funds for emergencies, medical expenses, education, family needs or short-term cash flow issues.

View details: Personal Loan Johor Bahru

2. Business Loan Johor Bahru

Business owners in Johor Bahru can obtain financing for stock purchases, supplier payments, rental, marketing, operations and expansion through our business loan solutions.

View details: Business Loan Johor Bahru

3. SME Loan Johor Bahru

Our SME loan supports small and medium enterprises that require working capital, equipment purchases or funds to stabilise daily operations.

View details: SME Loan Johor Bahru

4. Working Capital Loan Johor

For companies facing seasonal income or payment delays, a working capital loan can help maintain smooth cash flow and business continuity.

View details: Working Capital Loan Johor

5. Debt Consolidation Loan Johor Bahru

Customers who have multiple commitments may choose to consolidate them into one structured repayment, making monthly management easier and more organised.

View details: Debt Consolidation Loan Johor Bahru

6. Fast Approval Loan JB

For urgent situations where time is critical, our fast approval loan provides quick assessment with minimal documentation, subject to responsible lending checks.

View details: Fast Approval Loan Johor Bahru (JB)

7. Mortgage Loan / Home Loan Johor Bahru

Customers who need financing related to residential property may explore our mortgage / home loan solutions, suitable for refinancing, top-up or selected property-related purposes.

View details: Mortgage & Home Loan Johor Bahru

Who Can Apply

Our financing solutions are designed for:

• Salaried individuals with fixed income
• Self-employed individuals and sole proprietors
• SMEs and micro businesses
• Retailers, traders and contractors
• Startups and growing companies
• Borrowers who wish to consolidate debts
• Businesses facing temporary cash flow challenges

Common Loan Purposes

• Unexpected medical or family emergencies
• Home or vehicle repair
• Daily expenses and cash flow gaps
• Stock and inventory purchase
• Supplier and vendor payments
• Staff salary, rental and utilities
• Marketing and business expansion
• Debt consolidation into a single repayment

Documents Required

For Personal Loan Applicants

• NRIC (Front & Back)
• Latest 3–6 months bank statements
• Latest 3–6 months payslip / income proof
• Proof of residence (e.g. utility bill or tenancy agreement)
• Other supporting documents if applicable

For Business / SME Applicants

• NRIC (Front & Back)
• SSM documents (Form A/D/E or Section 14/15/17)
• Latest 6 months business bank statements
• Invoices, receipts or proof of business activity
• Business premise photos (if available)

Our Simple 5-Step Loan Process

We aim to make the loan process clear and efficient from start to finish.

• Step 1 – Enquiry & Discussion: Contact us via WhatsApp and share your basic details and needs.
• Step 2 – Assessment: We review your documents, income and cash flow to determine suitable options.
• Step 3 – Proposal & Explanation: We present the loan amount, tenure and instalment clearly, including all payable charges.
• Step 4 – Signing of Agreement: You sign a KPKT-compliant loan agreement at our office after understanding all terms.
• Step 5 – Disbursement: Funds are released promptly via secure bank transfer.

Compliance & Ethical Lending

PH Capital Solution operates under:

• The Moneylenders Act 1951
• Relevant KPKT regulations and guidelines
• Applicable rules on responsible lending and documentation

We do not engage in aggressive collections or misleading offers. All discussions, approvals and agreements are based on mutual understanding, affordability and respect for our customers.

Frequently Asked Questions (FAQ)

1. Are you a licensed money lender?

Yes. PH Capital Solution Sdn Bhd is licensed under KPKT and operates in accordance with the Moneylenders Act 1951.

2. What areas do you cover?

We serve Johor Bahru, Skudai, Gelang Patah, Iskandar Puteri, Nusajaya, Kulai and surrounding areas.

3. How fast can my loan be approved?

Many cases can be assessed on the same day once complete documents are provided.

4. Do you offer unsecured loans?

Yes. Most personal, business and SME loans are unsecured, without property collateral.

5. Are there hidden charges?

No. All fees, instalments and terms are explained before any agreement is signed.

6. How will the loan be disbursed?

Disbursement is done via secure bank transfer.

7. Can I repay earlier than the agreed tenure?

Early settlement is possible according to the terms stated in your agreement. Details will be explained during signing.

8. Do you provide loans to self-employed individuals?

Yes. We will assess based on bank statements, income pattern and business activity.

9. Can I apply if I already have other commitments?

Yes. We will review your repayment capacity and may recommend debt consolidation options where suitable.

10. Do you share my information with third parties?

No. Customer data is handled confidentially and used solely for loan assessment and administration as required by law.

11. Is face-to-face signing required?

Yes. For verification and compliance, customers sign the agreement at our office.

12. Can I start the process online?

Yes. You may begin by contacting us on WhatsApp and sending your documents for preliminary assessment.

13. What happens if I miss a repayment?

If you face difficulty, contact us early so we can discuss possible arrangements in line with your agreement.

14. What loan purposes are allowed?

We support a wide range of personal and business purposes, as long as they are lawful and clearly stated.

15. Why choose PH Capital Solution instead of informal lenders?

We are a licensed entity with a registered office, proper agreements and regulated procedures, giving customers legal protection and peace of mind.

Contact PH Capital Solution

If you need clear, legal and professional loan assistance in Johor Bahru, you may reach us here:

WhatsApp: 018-918 9669

Office Address:
PH Capital Solution Sdn Bhd
No. 132A, Jalan Sentral 1,
Taman Nusa Sentral, 79100 Iskandar Puteri, Johor.

We are ready to discuss your situation, explain all options and help you choose a financing solution that matches your needs and repayment ability.