When businesses grow and need funding for expansion, obtaining a loan from the bank becomes a common choice. However, Sole Proprietorships (Enterprise) and Partnerships often face higher rejection rates compared to Sdn Bhd companies. Here’s why:
Key Reasons Banks Prefer Sdn Bhd
Capital for Operations
Sdn Bhd requires a Paid-Up Capital, ensuring the company has funds to operate. This reassures banks that the business is financially stable.
Enterprise lacks such a requirement, making it less reliable in the bank's eyes.
Company Size and Scalability
Sdn Bhd generally operates on a larger scale with more financial resources, making it appear more capable of repaying loans.
Responsibility for Debt
Banks see Sdn Bhd as having better debt management and repayment potential because of its structured approach to finances.
In contrast, Enterprise owners are personally liable for debts, which may limit the confidence banks have in their ability to repay.
Business Continuity
Sdn Bhd: Even if the founder passes away, the company can continue to operate, as ownership can be transferred via shares.
Enterprise: The business typically ceases operations if the owner dies or withdraws, posing a risk to the bank.
Accountability and Compliance
Sdn Bhd is subject to stringent oversight:
Auditors ensure financial records are accurate.
Tax Agents file taxes in compliance with regulations.
Company Secretaries prepare and update legal documents.
These third-party checks enhance trust in the company's operations and financial reliability.
Enterprise, on the other hand, lacks these mandatory external reviews, which can make its financials seem less trustworthy.
How Banks Assess Loan Applications
Banks consider:
Financial Stability: Paid-Up Capital and retained earnings.
Creditworthiness: A track record of compliance and audited accounts.
Business Continuity: A company’s ability to sustain operations long-term.
Advantages for Sdn Bhd Owners
By meeting these expectations, Sdn Bhd owners significantly increase their chances of loan approval.
Higher loan amounts.
Better interest rates.
Long-term financial partnerships.
If you're looking to transition to Sdn Bhd and unlock better financing opportunities, we’re here to help with a seamless registration process. Let’s build a stronger financial foundation for your business!
为什么银行更喜欢私人有限公司而非企业贷款
当企业发展壮大并需要资金扩张时，从银行获得贷款成为常见的选择。然而，与私人有限公司相比，独资企业（企业）和合伙企业通常面临更高的拒绝率。原因如下：
银行青睐 Sdn Bhd 的主要原因
运营资本
Sdn Bhd 需要缴足资本，以确保公司有资金运营。这让银行放心，该业务的财务状况是稳定的。
企业缺乏这样的要求，在银行眼中不太可靠。
公司规模和可扩展性
Sdn Bhd一般经营规模较大，财务资源较多，因此显得更有能力偿还贷款。
债务责任
银行认为私人有限公司因其结构化的财务方法而具有更好的债务管理和还款潜力。
相比之下，企业主个人对债务承担责任，这可能会限制银行对其偿还能力的信心。
业务连续性
Sdn Bhd：即使创始人去世，公司也可以继续运营，因为所有权可以通过股票转让。
企业：如果所有者去世或退出，企业通常会停止运营，从而给银行带来风险。
问责与合规
Sdn Bhd 受到严格的监管：
审计员确保财务记录准确。
税务代理人按照规定报税。
公司秘书准备和更新法律文件。
这些第三方检查增强了人们对公司运营和财务可靠性的信任。
另一方面，Enterprise 缺乏这些强制性的外部审查，这可能使其财务状况看起来不太值得信赖。
银行如何评估贷款申请
银行认为：
财务稳定性：实收资本和留存收益。
信用度：合规和审计账户的跟踪记录。
业务连续性：公司长期维持运营的能力。
私人有限公司业主的优势
通过满足这些期望，私人有限公司业主大大增加了贷款批准的机会。
贷款金额更高。
更好的利率。
长期的财务合作伙伴关系。
如果您希望过渡到 Sdn Bhd 并获得更好的融资机会，我们将随时帮助您完成无缝注册流程。让我们为您的企业建立更强大的财务基础！
US 17090 
BR 14185 
GB 10170 
CA 7948 
AU 7051 
IE 4262 
IN 3680 
CN 1402 
