We spent 15+ combined years inside the banks that most Malaysian SMEs apply to. Now we work on the other side of the desk — for you.
Why we started Axion
Every week we saw capable SME owners walk away from approvals they should have gotten. Their business was sound. Their numbers were workable. But the way they presented themselves to the bank made it impossible for credit to say yes.
Meanwhile, cases that looked tricky on paper would sail through — because someone knew how to frame them for the right desk.
The difference was never the loan size or the sector. It was whether the owner had a banker who understood how to position their file — and had the relationships to walk it to the right credit team.
Axion exists to close that gap. We give SMEs the same quality of thinking a seasoned Head of SME banking would bring to their own best customer.
The team
You won't be handed off to a junior agent. You work directly with the people whose banking careers made this business possible, with senior advisory support on complex SME financing cases.
Co-founder
“Every bank reads your file differently. The same business that gets declined at one desk gets approved at another — once you understand what each credit team is actually solving for.”
Prior banking career
AmBank SME Banking · Relationship Manager
Hong Leong Bank Commercial Banking · Relationship Manager
Co-founder
“Most SME rejections aren't about the business — they're about a mismatched product or a weak narrative. Years inside the credit committee taught me which door to knock on, and how.”
Prior banking career
Standard Chartered SME & Commercial · Relationship Manager
Hong Leong Bank Commercial Banking · Relationship Manager
Senior Banking Counsel
“David supports Axion internally with a four-decade view of Malaysian SME banking, credit governance, and how strong financing files are structured for decision-makers.”
Banking background
Current position CEO of SME Funding-i, an Islamic P2P financing platform operated by DBS Solutions (M) Sdn Bhd, a Securities Commission Malaysia-approved Recognised Market Operator connecting investors with growing Malaysian SMEs.
40+ years Banking experience in senior roles including EVP-Head of SME Banking and Retail Distribution.
CIMB and AmBank Established new SME divisions, recruited and led >300 sales staff nationwide, and aligned long-term strategy with revenue growth.
Credit Authority Served as a member of the Credit Committee with an approving limit of RM100 million, providing oversight on large corporate and SME financing proposals, balancing business growth with prudent risk management and regulatory compliance.
Our team's prior roles are stated here for credibility. Axion Financing Advisory is an independent SME financing consultancy and is not affiliated with, endorsed by, or representing any of the institutions named above.
How we work
01
We don’t submit anything until you and we both know exactly what we’re submitting, to whom, and why.
02
We don’t blast applications. Every rejection stamps your file. We only apply where we believe we can win.
03
Banks behave differently by sector, by deal size, by risk appetite — and change every quarter. We track that so you don’t have to.
04
We explain upfront what we charge, what we deliver, and where our work stops. No open-ended retainers. No hidden commissions.
What we are not
We are not a bank. We don’t issue loans or hold your funds. We work as your independent advisor when you deal with banks.
We are not a marketplace. We don’t sell your enquiry to whichever agent pays most. Every case is handled directly by a founder.
We are not a lead broker. We don’t take every case. If we can’t meaningfully improve your approval outcome, we tell you that — before you pay us anything.
No fee for the first call. Bring your business, your numbers, and your question. We’ll tell you where you stand.