Debt Restructuring

Debt restructuring is a form of debt refinancing that entails taking out one loan to pay off many others. This commonly refers to a personal finance process of individuals addressing high consumer debt but occasionally refers to a country’s fiscal approach to corporate debt or Government debt. The process can secure a lower overall interest rate to the entire debt load and provide the convenience of servicing only one loan.

Personal loan also contains debt restructuring, cheque cashing and refinancing. Debt restructuring suits for an individual that bear for numbers of debts including credit card, PTPTN, house and car loan that significantly increase in rates. Cheque cashing target for a salaried person who need fast cash while holding an duration cheque while refinancing suits for an individual that have property.


If you are a business owner, you need to provide us your SSM registration of your company and 3-6 months of bank statement to proof that you have a steady income for your company. If you did not register SSM for your company or your business is on cash basis, please call us to have more information.

If you are a salaried employee, you need to provide us your 3-6 months’ pay slips and 3-6 months of your bank statement. Do contact us for further information if you do not have specific qualification such you are paid on a cash basis or if you have insufficient documents.

Why Choose Us?

Our loans allow borrowers to restructure their debt from different sources into one single borrowing with us. We also offer flexibility to the borrowers depending on their affordability and repayment ability. So, we need borrowers to provide their salary slip to prove that they have the ability to return. We can help borrowers extend the repayment period and reduce the monthly commitment to reduce the pressure of the borrowers. We do not require any upfront processing fees for the loan.

Who Are We?

Debt restructuring is for borrowers who have multiple debts with different money lenders. Our motto is ‘Easy to apply, fast to approve and quick to disburse”. We usually focus at Kuala Lumpur and Selangor area, such as KLCC, KL Sentral, Petaling Jaya, Sunway, Klang, Puchong, Bukit Jalil and Cheras. We also have business at other states in Malaysia, for example Pulau Pinang, Melaka, Johor and Perlis.


If you are in desperate need of cash, do not hesitate to contact us! Debt restructuring is a better choice for you to gain control over your finances and can reduce your monthly payments. You may also interest in our SME loans, business loans, refinancing loans and personal loans.