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WHO ARE WE
Amantra Advisory Sdn Bhd is a professional credit and financing advisory firm dedicated to helping individuals and businesses navigate complex financial decisions.
Incorporated in 2007, our company has accumulated over 20 years of experience in the financial services sector, providing advisory support in credit evaluation, financing strategy and financial documentation preparation.
2007
OUR BEGINNING
Established and Incorporated
+
Years Experience
In Financial Services
100%
Client focused
Ethical Guidance Always
OUR MISSION
Our mission is to provide clients with clear, responsible and ethical financial guidance before they make important financing decisions.
Our role is to help clients better understand their financial standing and develop a structured financing strategy before approaching financial institutions.
OUR SERVICE
Credit Profile Assessment
We review your available credit information, including CCRIS and CTOS record, to understand your financial standing and identify areas that may affect financing applications.
Debt Restructuring Advisory
For individuals facing financial challenges, we provide guidance on possible debt restructuring strategies and available options.
Our Advisory Process
Why Choose Amantra Advisory
Frequently Asked Questions (FAQ)
Amantra Advisory Sdn Bhd provides professional credit and financing advisory services. We assist clients in understanding their credit profile, evaluating loan eligibility, structuring financing strategies and preparing documentation before submitting financing applications to financial institutions.
No. Amantra Advisory Sdn Bhd is an independent advisory firm and is not a bank or licensed financial institution. We do not provide any funding or credit services.
We provide advisory and documentation support services only. All financing approvals are subject to the credit assessment and policies of the respective financial institutions.
No. Loan approvals are solely determined by the financial institution based on their internal credit policies and risk assessment.
Our role is to help clients improve their application quality, understand eligibility requirements and structure their financing application properly.
To perform a basic credit assessment, the following information may be required :
• Identification documents (NRIC or passport)
• Income documents (salary slips or business income records)
• Existing loan commitments
• Bank statements
• Credit reports such as CCRIS or CTOS (if available)
· Options for employee salary deduction or salary transfer
This allows us to estimate your Debt Service Ratio (DSR) and potential borrowing capacity.
Debt Service Ratio (DSR) is a financial measure used by banks to determine how much of your income is used to service debt obligations.
Most banks assess loan eligibility by comparing your monthly debt commitments against your monthly income.
A high DSR may reduce the chances of loan approval.
Yes. Many clients approach us after experiencing loan rejection.
We help review possible reasons for rejection, which may include :
• High financial commitments
• Credit record issues
• Incomplete documentation
• Insufficient income support
We then advise on possible strategies to improve the financing application.
Yes. For clients experiencing financial difficulties, we can provide advisory guidance on possible debt restructuring approaches and available options.
In certain cases, clients may also be referred to licensed intermediaries or financial institutions that specialise in restructuring solutions.
We do not access credit reports without the client’s consent.
Clients may provide their CCRIS or CTOS reports voluntarily for advisory assessment.
All information provided is handled confidentially in accordance with Malaysian data protection laws.
Yes. Amantra Advisory charges a professional advisory fee for services such as credit assessment, financing strategy consultation and documentation support. Our fee is based on success. We do not charge any upfront fee.
The fee structure will be clearly explained before engagement.
Our clients include :
• Salaried employeees
· Licensed professionals - doctors, lawyers, dentists and accountants
• Self-employed individuals
• SME business owners
• Individuals seeking financing guidance
• Clients requiring debt restructuring advisory
The advisory assessment typically takes 1–3 working days, depending on the completeness of documents provided.
Actual loan processing timelines depend on the respective financial institution.
Yes. All client information is handled with strict confidentiality and in compliance with the Personal Data Protection Act (PDPA) of Malaysia.
Your information will only be used for the purpose of financing assessment and advisory services.
Start Your Financial Journey with Confidence
Speak to our advisory team today to better understand your financing options and financial standing.
Contact Us :
For consultation appointments, please contact our advisory team.
Amantra Advisory Sdn Bhd
Guided by Trust, Committed to Integrity