SMELOANNEARME · MALAYSIA

Free Initial Meetings & Fee Information

Understand what is free and when optional follow-up services may carry fees.

What is free?

The initial face-to-face meeting booked through WhatsApp is free. Its purpose is to understand your business, discuss general funding needs, and explain typical documentation and possible next steps.

A free introductory meeting does not imply that all possible follow-up help, bank charges or an entire financing process will be free.

Potential follow-up service fees

If paid consultation or documentation assistance is offered later, the scope, fee amount or calculation, payment conditions and intended work will be explained before it begins.

You can choose whether to accept. We do not publish unconfirmed fixed prices or claim to collect charges on behalf of financial institutions.

Third-party charges and payments

Any bank or financial institution charges should be verified directly against that institution’s formal disclosures. Do not transfer money to an unverified account based only on a chat.

Use the published WhatsApp contact for questions and avoid exposing sensitive financial documents in public.

Appointment limitations

Free meetings are by appointment and depend on actual scheduling, location and travel. Interstate visits must be agreed in advance.

An introductory conversation does not guarantee that an application will be submitted or approved.

Eligibility, amounts, rates and final financing decisions are determined by the relevant financial institutions. No approval or disbursement timing is guaranteed.

Initial face-to-face consultations by appointment are free

You may arrange a meeting at your actual business premises or at a suitable nearby public location agreed by both parties. Only the initial meeting is free; charges for any later services, if applicable, will be explained first.

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