What theSME does
From your referral link to a finished report, an SME makes six stops. Each stop has one check that keeps the result trustworthy.
Try the document ruleCreate Account
Create your account
Written for Decision-makers, Credit & risk
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 15 October 2026.
Think of it like this
Think of opening an account at a branch. You show your ID first, then the papers that prove your finances, and the officer checks every paper belongs to you before anything is written up.
Six stops, in order
An SME can’t skip ahead. Each stop relies on the one before.
Referral link
Ties the account to your bank.
/register?code=SAMPLEBANK
Register
Email checked, name provisional.
SSM anchor
Identity read, then locked.
Financing documents
Every file must name the company.
Generate
Five sections, written at once.
Dashboard
A range, never an offer.
The SSM comes first
Every later document is checked against this certificate.
Sample Foods Sdn. Bhd.
- Registration number
- 201401000000
- Business structure
- Sdn Bhd (Private Limited)
Confirming locks the name, number and structure. Until then, the certificate can be replaced.
Read in four stages: receiving the file, reading it, finding the company details, preparing the review.
The document rule
Each file must name the company on the SSM. Pick a company type.
Sdn Bhd
1
audited report verified
An audited report is required. Bank statements are optional.
A document needs your confirmation. Confirm it is yours, or remove it, to continue.
Continue to review stays closed.
It checks who a file belongs to, not how recent it is. PDF only, up to 100 MB.
Any other company type
2 of 3
months verified
Upload statements from 3 different months. Only 3 statements are accepted.
Upload statements from 3 different months that match your company to continue.
Continue to review stays closed.
It checks who a file belongs to, not how recent it is. PDF only, up to 100 MB.
From report to range
A micro-business gets a Micro SPOT, every other company a Full SPOT. Nobody picks.
RM 421,200 to RM 1,404,000
Indicative financing range, from 3 bank statement months (2025-11 to 2026-01). Not an offer.
RM 4.2m
Revenue, audited FY2024
RM 1.5m
Total equity, audited FY2024
Not available
Credit Score, no CTOS report
Done
Enterprise & Financial Profile, Ownership & Management Structure
Writing now
Strategic Capabilities & Market Position, Statement of Capabilities
Waiting
Regulatory, Compliance & Credit Integrity
100% only when the server confirms. Two Full SPOTs per hour per user.
What lands on your desk
The report the SME ends up with is the one your team receives.
Continue to What lands on your desk