Our Financial Services
Comprehensive financial advisory services designed to help you navigate complex financial challenges with confidence.
Personal Financing
Advisory for individuals seeking personal financing, including those with high commitments, SAA, or AKPK status. We help you explore suitable options through our partner network.
- No Upfront Fees
- Tailored Advisory
- AKPK/SAA Cases Considered
- Flexible Tenure Options
Debt Restructuring & Consolidation
Combine multiple high-interest credit card debts and personal loans into one structured repayment plan with potentially lower interest.
- Reduce Monthly Commitment
- Improve Credit Profile
- Zero Processing Fee Upfront
- Strategic Restructuring
SME Financing
Empower your business growth with our SME financing advisory, tailored for working capital, expansion, or startup funding.
- Working Capital Advisory
- Minimal Documentation Guidance
- Business Strategy Review
- Partner Bank Network
Mortgage Refinance & Cash-Out
Unlock the equity in your property or explore refinancing to lower your monthly mortgage installments through our partner banks.
- Equity Cash-Out Advisory
- Refinancing Options
- Professional Valuation Guidance
- Legal Support Referral
All financing options are subject to the client's profile, documentation and the relevant lender's assessment. Approval, rates and financing amounts are not guaranteed.
Case Studies
Real Client Journeys
Anonymized examples of how we've helped clients navigate financial challenges. Individual results vary.
Debt Consolidation for High Commitment Client
A client with RM150,000 in credit card debts across 4 banks was struggling with monthly repayments exceeding 70% of their income.
We conducted a full financial diagnosis, restructured their profile, and identified a consolidation pathway through a partner bank.
Monthly commitment reduced by approximately 40%, with a single structured repayment plan at a lower interest rate.
Results vary based on individual profiles. This case study is anonymized and shared for illustrative purposes only.
SME Working Capital Financing
A trading company with 3 years of operations needed RM200,000 in working capital but was unsure which lender suited their profile.
We reviewed their financial statements, optimized their application, and matched them with a suitable financing partner.
Financing was secured within 4 weeks, enabling the business to fulfill a key contract and expand operations.
Approval timelines and amounts vary. This case study is anonymized and shared for illustrative purposes only.
Rejected Loan Appeal Success
A client's personal loan was rejected by 3 banks due to a Special Attention Account (SAA) on their CCRIS report.
We analyzed the rejection reasons, guided the client through SAA settlement, and rebuilt their application with an alternative lender.
The client's profile was successfully improved and financing was obtained through a licensed KPKT partner pathway.
Each case is unique. This case study is anonymized and shared for illustrative purposes only.
Why Consult with STS Wealth Care?
Expert Knowledge
We understand the criteria of various banks and licensed lenders in Malaysia, allowing us to guide your application to the right place.
Customized Strategy
We don't just submit applications; we build a financial strategy to improve your credit profile for long-term success.
Transparent Process
No hidden fees, no upfront payments. We only charge a service fee upon successful disbursement of your financing.
Request a Free Assessment
Not sure which service is right for you? Our consultants can provide a free review of your financial situation.
All financing options are subject to the client's profile, documentation and the relevant lender's assessment. Approval, rates and financing amounts are not guaranteed.