Business Loan Johor Bahru – Fast Approval, Transparent & KPKT Licensed

PH Capital Solution Sdn Bhd is a KPKT-licensed money lender located in Johor Bahru, providing fast and reliable Business Loans for SMEs, entrepreneurs, and growing companies. We offer transparent financing with clear repayment structures to support working capital, cash flow, inventory purchases, payroll, and urgent operational needs.

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

As a legally registered and approved Licensed Money Lender under the Ministry of Housing and Local Government (KPKT), we follow Malaysia’s official Moneylenders Act, ensuring all lending practices remain safe, compliant, and transparent for business owners.

Why Choose Our Business Loan in Johor Bahru?

• KPKT Licensed & Legal – Safe, regulated, and trustworthy loan services.
• Fast Approval – Same-day assessment for urgent business needs.
• No Hidden Charges – Clear terms, clear instalment calculations.
• No Property Collateral Required – Ideal for SMEs and startups.
• Flexible Repayment – Tailored according to your business cash flow.
• Local Johor Expertise – We understand real JB business operations and challenges.

Who Can Apply for This Business Loan?

• SMEs and Micro Businesses in Johor Bahru
• Retailers, Online Sellers, Service Providers
• Contractors, Wholesalers, Distributors
• Startups with growing expenses
• Businesses facing delayed payments or cash flow issues

Common Uses of Business Loan

• Working capital and daily operations
• Inventory & stock purchases
• Supplier / vendor payments
• Marketing, payroll, rental, utilities
• Emergency cash flow support
• Business expansion or contract fulfilment

Eligibility Requirements

• Malaysian business owner (Enterprise / Sdn Bhd)
• Business operating for at least 3–6 months
• Proof of income or sales activity
• Valid NRIC and supporting documents

Documents Required

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

Our Business Loan Process

We provide a simple, fast and transparent application process:

• Step 1: WhatsApp us your business details
• Step 2: Quick assessment based on cash flow & bank statements
• Step 3: Transparent explanation with full instalment calculations
• Step 4: Signing with KPKT-compliant loan agreement
• Step 5: Fast disbursement to your account

Frequently Asked Questions (FAQ)

1. Is PH Capital Solution Sdn Bhd a licensed money lender?

Yes. We are officially registered under KPKT, operating legally under the Moneylenders Act.

2. How fast can I get approval?

Most Johor Bahru business loan applications can be processed within the same day, depending on document submission.

3. Do I need collateral?

No. Our business loans are fully unsecured, ideal for SMEs.

4. Will my information be private?

Yes. All customer data is protected under PDPA regulations.

5. Are there hidden charges?

No. All fees are transparent and explained before signing.

Apply for Business Loan Johor Bahru Today

Contact us for fast assessment and clear explanation:

📞 WhatsApp: 018-918 9669

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