Transitioning a business from an Enterprise to an Sdn Bhd is often seen as a strategic move to access better funding options. However, some companies still face challenges in securing financing post-conversion. Here are three key reasons why this might happen:
1. Dual Operations: Enterprise and Sdn Bhd Running Simultaneously
While the business structure has been converted, if the Enterprise entity continues operations alongside the newly formed Sdn Bhd, banks may perceive the conversion as incomplete or illegitimate.
Why Banks Reject:
Banks rely on operational transparency to assess creditworthiness. If the Enterprise entity is still active, they may question the integrity of the transition, treating the Sdn Bhd as a completely new business instead of recognizing its operational history.
Key Concern: Does the business have at least three years of verifiable operational history? If not, most banks will decline the loan application.
2. Lack of Operational Records and Audit Reports
For a newly established Sdn Bhd, even if it is a continuation of an Enterprise, there may be no audited financial statements or sufficient operational records.
Why This Matters:
Banks typically assess:
Audited financial statements to verify profitability and cash flow.
At least one year of operational records to evaluate the business's financial stability.
Without these, the Sdn Bhd is seen as lacking the necessary documentation to justify a loan.
3. Changes in Management Structure
If the ownership or management of the business changes during the conversion process, this can affect how banks view the new entity.
For Example:
The Enterprise was managed by A and B as co-owners.
The Sdn Bhd is registered under A only, with B no longer involved.
Banks may interpret this as a new company with a different management team, rather than a continuation of the previous business.
How to Avoid These Issues?
Ensure a Complete Transition
Cease operations under the Enterprise entity and consolidate all activities under the Sdn Bhd.
Inform banks that the Enterprise’s operations have been fully transferred to the Sdn Bhd.
Build a Financial Record
Prepare at least one year of operational and financial reports for the Sdn Bhd, including audited accounts if possible.
Maintain Management Continuity
Retain the same owners or directors as the Enterprise to demonstrate continuity.
Final Tip
When converting an Enterprise to an Sdn Bhd, treat it as a complete overhaul rather than a parallel operation. Work closely with a corporate consultant and your auditor to ensure the transition is smooth, credible, and acceptable to banks. This will increase the likelihood of securing financing.
为什么企业从企业转为私人有限公司后无法获得资金？
将企业从企业转型为私人有限公司通常被视为获得更好融资选择的战略举措。然而，一些企业在转型后融资方面仍面临挑战。以下是可能发生这种情况的三个关键原因：
1. 双重运营：Enterprise 和 Sdn Bhd 同时运行
虽然业务结构已经转换，但如果企业实体继续与新成立的私人有限公司一起运营，银行可能会认为转换不完整或不合法。
银行拒绝的原因：
银行依靠运营透明度来评估信用度。如果企业实体仍然活跃，他们可能会质疑过渡的完整性，将私人有限公司视为全新的企业，而不是承认其运营历史。
主要关注点：该企业是否拥有至少三年可验证的运营历史？如果没有，大多数银行都会拒绝贷款申请。
2.缺乏运营记录和审计报告
对于新成立的私人有限公司，即使是企业的延续，也可能没有经过审计的财务报表或足够的运营记录。
为什么这很重要：
银行通常评估：
经审计的财务报表以验证盈利能力和现金流量。
至少一年的运营记录来评估企业的财务稳定性。
如果没有这些，私人有限公司就会被视为缺乏证明贷款合理性的必要文件。
3.管理架构变动
如果企业的所有权或管理层在转换过程中发生变化，可能会影响银行对新实体的看法。
例如：
该企业由 A 和 B 作为共同所有者管理。
Sdn Bhd 仅在 A 下注册，B 不再参与。
银行可能会将其解释为一家拥有不同管理团队的新公司，而不是之前业务的延续。
如何避免这些问题？
确保完成过渡
停止企业实体下的运营，并将所有活动合并到私人有限公司下。
通知银行企业的业务已全部转移至私人有限公司。
建立财务记录
为私人有限公司准备至少一年的运营和财务报告，如果可能的话，包括经过审计的账目。
保持管理连续性
保留与企业相同的所有者或董事以证明连续性。
最后提示
当将企业转变为私人有限公司时，请将其视为彻底检修而不是并行操作。与企业顾问和审计师密切合作，确保过渡顺利、可信并为银行所接受。这将增加获得融资的可能性。
US 15500 
BR 14697 
GB 11365 
CA 9312 
AU 8511 
IE 5216 
VN 3399 
IN 3396 
