Case in Point:
"A’s business has been running for 3 years, with a profit of RM200,000 last year. A is considering converting from Enterprise to Sdn Bhd to leverage bank loans for expansion."
If you have similar thoughts, you’re on the right track! Converting an Enterprise to an Sdn Bhd is a wise move when seeking funding for growth. However, it’s important to understand why immediate bank financing may still be a challenge after the conversion.
1. Banks Require an Audit Report
When evaluating loan applications, banks heavily rely on the company’s Audit Report to assess its financial health and credibility.
Why This Is an Issue:
As an Enterprise, your accounts are typically self-prepared and unaudited, which raises questions about their accuracy.
Banks may doubt the reliability of the financial data, viewing it as subjective since it hasn’t been verified by an independent Auditor.
2. One Year of Audited Records Is Necessary
After converting to Sdn Bhd, your business must operate under the new structure for at least one year to prepare a credible Audit Report.
Key Requirement from Banks:
A minimum of one year’s audited financial statement under the Sdn Bhd structure.
The absence of such records makes it challenging for banks to evaluate your loan eligibility.
3. Enterprise Financials Don’t Translate Directly
While your Enterprise might have a solid 3-year track record and profitability, banks generally consider an Sdn Bhd as a new entity.
What This Means for You:
The Enterprise’s financial history doesn’t automatically transfer to the Sdn Bhd.
The Sdn Bhd must independently establish its credibility through audited financials and operational stability.
Steps to Successfully Leverage Bank Loans
Operate the Sdn Bhd for At Least a Year
Run the business under the new structure for 12 months to generate a complete set of audited financial statements.
Work with a Professional Auditor
Engage a licensed auditor to ensure your financial reports meet the standards required by banks.
Maintain Financial Transparency
Keep clear and accurate financial records during the transition to avoid discrepancies when preparing your first Audit Report.
Highlight Continuity in Your Business
Emphasize that the Sdn Bhd is a continuation of your existing Enterprise to banks, supported by consistent financial performance and management.
The Bottom Line
Converting an Enterprise to an Sdn Bhd is the first step toward unlocking better funding opportunities. However, patience and preparation are key. By building one year of audited financials under the Sdn Bhd structure, you can significantly improve your chances of securing the funding you need to expand your business.
为什么企业转为Sdn Bhd后很难利用银行贷款？
例证：
“A的生意已经经营了3年，去年盈利20万令吉。A正在考虑从Enterprise转为Sdn Bhd，以利用银行贷款进行扩张。”
如果你也有类似的想法，那么你就走对了！在寻求增长资金时，将企业转变为私人有限公司是明智之举。然而，重要的是要了解为什么转换后立即银行融资可能仍然是一个挑战。
1.银行要求审计报告
在评估贷款申请时，银行严重依赖公司的审计报告来评估其财务状况和信誉。
为什么这是一个问题：
作为企业，您的账户通常是自行准备且未经审计的，这引发了对其准确性的质疑。
银行可能会怀疑财务数据的可靠性，认为它是主观的，因为它未经独立审计师的验证。
2.需要一年的审计记录
转换为私人有限公司后，您的企业必须在新结构下运营至少一年，以准备可信的审计报告。
银行的主要要求：
私人有限公司结构下至少一年的经审计财务报表。
由于缺乏此类记录，银行很难评估您的贷款资格。
3.企业财务数据不能直接转化
虽然您的企业可能拥有稳定的 3 年业绩记录和盈利能力，但银行通常将私人有限公司视为新实体。
这对您意味着什么：
企业的财务历史不会自动转移到私人有限公司。
私人有限公司必须通过经过审计的财务和运营稳定性独立建立其信誉。
成功利用银行贷款的步骤
经营私人有限公司至少一年
在新架构下运行业务12个月，生成一套完整的经审计的财务报表。
与专业审核员合作
聘请有执照的审计师，以确保您的财务报告符合银行要求的标准。
保持财务透明度
在过渡期间保留清晰准确的财务记录，以避免在准备第一份审计报告时出现差异。
强调业务的连续性
强调私人有限公司是您现有企业到银行的延续，并得到一致的财务绩效和管理的支持。
底线
将企业转变为私人有限公司是释放更好融资机会的第一步。然而，耐心和准备是关键。通过在 Sdn Bhd 结构下建立一年的经审计财务报表，您可以显着提高获得扩展业务所需资金的机会。
US 13372 
GB 11226 
AU 9448 
CA 9177 
IE 5440 
NZ 4626 
BR 4488 
VN 1420 
