Axion

Document checklist

The paperwork, sorted. So nothing derails your submission.

A practical checklist of what Malaysian banks typically ask for on SME loan applications. Use it to prepare before you talk to any banker — or us.

Core documents

Start with these five stacks.

Even before a banker names a specific list, these categories are what every submission needs. Missing one will stall your case.

1. Company & legal

Who you are in the eyes of the law — the bank starts here before looking at anything financial.

  • • SSM Form 9 / Section 17 (company info)
  • • Form 24 / Section 14 (shareholders)
  • • Form 49 / Section 58 (directors)
  • • Memorandum & Articles / Constitution
  • • Business premises tenancy or title
  • • Relevant operating licences (DBKL / MPPJ / halal / industry-specific)

2. Identity & directors

Personal identification and profile of every director and shareholder above the threshold.

  • • Directors’ IC (front + back) for all directors
  • • Directors’ passport photos (where required)
  • • Directors’ personal income documents
  • • Directors’ personal bank statements (selected cases)
  • • Spouse / partner details (for joint guarantees)

3. Financial statements

How the business looks on paper. Audited + latest management accounts together tell the most credible story.

  • • Audited accounts — last 2 to 3 financial years
  • • Latest management accounts (P&L and balance sheet)
  • • Tax returns — Form B / Form C / Form E
  • • Directors’ resolution authorising the borrowing

4. Operating cashflow

What credit reads with a fine-tooth comb. Clean and well-organised statements earn faster approvals.

  • • Bank statements — last 6 to 12 months, all active accounts
  • • Cashflow projection (for expansion / new facility)
  • • Major contracts, POs, or customer agreements
  • • Major supplier agreements or terms
  • • Aging of debtors and creditors (if available)

5. Facility & security

Specific to the loan you’re asking for, and the security you’re offering.

  • • Facility request letter (purpose, amount, tenure)
  • • Valuation report for any property offered as collateral
  • • Title search & land grant for property collateral
  • • Equipment / asset quotation (for asset financing)
  • • LC / trade documents (for trade facilities)
  • • Existing facility letters (for refinancing)

Reality check

The list isn’t the hard part. The framing is.

Gathering documents is the easy part. Presenting them in a way that helps credit say yes — covering letter, executive summary, well-organised financials, clean justification — is what most SME owners miss.

That’s the part we do with you. Send us what you have, we’ll tell you what’s missing and how to frame the rest.

Ready to review your document stack?

WhatsApp us your documents