Where experience meets your next move.
Fifteen years inside Malaysian finance at OCBC, Standard Chartered and Auxano Capital. That knowledge now works entirely for you.
Built on real experience,not a sales pitch.
We sit on your side of the table. Magstone charges a professional advisory fee, never a commission from banks or product providers, so the recommendation you receive is the one that is right for you.
Having spent fifteen years structuring loans and managing portfolios from inside the banking system, we know exactly how credit decisions are made, and precisely where applications fail.
Mars Andy Goan
吴松俊Principal Advisor · RFP
“I spent fifteen years inside Malaysian finance, at OCBC, Standard Chartered and Auxano Capital, structuring loans, managing portfolios, and watching countless SME applications get approved or rejected. I know the difference between the two, and it is rarely about the business itself.”
A bank does not reject your business. It rejects the version of your business it was shown.
Principal Advisor · RFP
What we do.
Twelve areas of practice across personal wealth and business funding. Most engagements draw on several at once.
How we work with you
We read the numbers
Accounts, cash flow and liabilities, line by line, so we know what a bank will see before it sees it.
We find the real gap
Most rejections are a positioning problem, not a business problem. We identify which one you actually have.
We structure and submit
The file is rebuilt to match what the lender looks for, then we deal with the credit team directly.
We stay through drawdown
Approval is not the finish line. We structure repayment around how the business genuinely earns.
Funding available now.
Two ways in: a time-limited government scheme at the lowest rate on the table, and our ongoing commercial facilities.
SME Stabilisation Relief Facility
SME SRF · 中小企业稳定纾困融资- Working capital up to RM750,000
- Tenure of up to 5 years
- Up to 80% government guarantee (CGC / SJPP)
Available from 15 May to 31 December 2026, or until the fund is fully utilised, whichever comes first.
Term loans & credit lines
- Clean Term Loan
- 1 to 3 Term Loan
- Revolving Credit (Invoice Financing)
Financing up to RM2 million, tenures to 4 years. No fixed deadline.
RM2.85 millionsecured in five weeks.
A family run spare parts manufacturer in Selangor came to me after their bank said no. Nobody had told them why. Here is what we actually did.
I read the numbers first
Three years of accounts, line by line. The business was fine. The way it had been presented to the bank was not, and that is what got it rejected.
We fixed the presentation
Reworked how the cash flow was shown, corrected the debt service ratios, and matched the whole file to what Al-Amin actually looks for in Islamic financing.
I dealt with the bank directly
Submitted a complete file, then handled every question from the credit team myself. The client kept running his factory instead of chasing paperwork.
Approved, then structured properly
Five weeks to full approval. I stayed on through drawdown so the repayment schedule fit how the business actually earns.
The loan came through. They put in the new line and lifted production about 40%. Four months later they came back for a trade facility.
In their words.
One word, then the detail behind it. Every entry here comes from a client we actually acted for.
RM300M
Trust AUM
15+
Years in finance
1,000+
Advisor network
Business Owner
Spare Parts Manufacturing, Selangor
Approved.
“The first bank said no and never explained why. Mars went through our accounts and showed us things we had been living with for years without noticing. He dealt with the bank himself. Five weeks later it was approved. I did not think that was still possible.”
A mother in Kuala Lumpur
Will & Testamentary Trust
Relieved.
“My greatest worry was who would care for my son when we are no longer here. He is autistic and needs support in ways that are hard to put into words. Mars took the time to understand, then set up a will and a testamentary trust so the funds are protected and used only for his care. For the first time in years, I feel his future is safe.”
One membership. Everything to begin.
One-time membership fee
- Free comprehensive financial report, written, within 5 working days
- Business funding and government scheme resources
- Priority access to workshops and masterclasses
- Direct consultation with an RFP registered planner
- Member rates on all advisory services
Straight answers to real questions.
We charge a professional advisory fee, paid directly by you. We are not paid by banks, insurers, or product providers, so our recommendation is always the one that is right for you, never the one that pays the highest commission.
Yes, and it is one of our most common starting points. A rejection usually means wrong positioning, not an unfundable business. We diagnose the real reason, restructure the application, find the right lender, and resubmit with a far higher chance of approval.
For a well prepared submission, typically four to eight weeks to approval. The gap between four weeks and eight months is almost always the quality of the package, which we handle end to end.
Absolutely. A large part of our practice is personal planning covering retirement, investment strategy, debt restructuring, insurance and tax, for salaried professionals, the self employed, and families.
A full written review of your income, expenses, assets, liabilities, and cash flow, with the risks, gaps, and concrete next steps. It is delivered in writing within five working days, personalised to your situation.
A bank's relationship manager works for the bank. We work for you. We spent fifteen years on the inside, so we know what banks look for and where applications fail, and we now apply that entirely on your behalf.
Ready to get seriousabout your finances?
The first conversation is free. No commitment and no pitch, just a real discussion about where you are and where you want to go.
