Trust andgovernance
The SME decides which banks see its file. Each bank sees only its own companies and products, and every figure comes from fixed rules and checked documents.
Connect a bank on the mapConnect your company to a partner
Link an institution to see the financing products it offers that match your SPOT report, and to request an appointment.
Available now
These institutions have financing products on Odela. Connect one to see its matches for your report.Coming soon
These institutions are joining Odela. You can connect once their financing products are live.Written for Decision-makers, Credit & risk, IT & compliance
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 16 October 2026.
Think of it like this
Picture a safe-deposit hall. The box belongs to the SME, and only its owner chooses which bank may open it. A bank can open the boxes of its own customers and no others.
The SME decides
A bank sees a company only through a link its owner made. The bank doesn’t approve it and isn’t asked.
- Owner only. Anyone else reads “Only the company owner can connect an institution.”
- Live banks only. The rest wait as Coming soon.
- Ten tries an hour. Referral codes are never shown.
- No unlink button yet. Odela’s team removes a link, and access ends on the next request.
Connect Northgate Bank?
This institution will be able to view this company’s documents and SPOT reports.
- Harbour Bank
- Northgate Bank
Who can see what
Connect a bank and watch both sides. Sample Fabrication is linked to Meridian only.
Sample Foods Sdn Bhd sees
-
Working capital line
RM 250k to 1.0m
Harbour Bank
Eligible
Each list is built from that bank's own links. No bank sees another's.
Harbour Bank sees1
-
Sample Foods Sdn Bhd
Documents · SPOT reports · Contact
Working capital line
Its own product only
Meridian Finance sees1
-
Sample Fabrication Sdn Bhd
Documents · SPOT reports · Contact
Trade financing
Its own product only
Northgate Bank sees0
- No companies yet.
Only its own
You do not have access to this company.
Back to CompaniesThe server's words, “Company not found or not subscribed to your account”, are the same whether the company exists or not. A login with no bank identity gets an empty list.
- Its own companies. The link is checked on every request.
- Its own products. A match is cut to the bank's own catalogue.
- Its own cases. Every change is kept with who made it and when.
Two locks
The link check is code. Under it, the database holds its own lock for company requests.
A company's own user
In codeScoped to its company
In the databaseRow-level security on the company id
A bank's team
In codeLink checked on every request
In the databaseTrusted connection, scoped in code
A background job
In codeScoped by company
In the databaseTrusted connection, scoped in code
Certifications, encryption and hosting: ask Odela directly.
Rules, not opinions
Rule version 3
Stored with every match. Same documents, same result.
- 2Credit reports removed as an input.
- 3Local holding companies looked through for Malaysian ownership.
A raise recomputes older results.
Identity. Anchored on the SSM certificate the owner confirms. A document naming another company stays out of the figures. Identity anchor
Evidence. Where the documents are silent, the report says “Data not available”.
AI. Orders the shortlist and words the reasons. It never changes a score or an amount.
Credit. CTOS and CCRIS never include or exclude a product. Your bank checks credit at application. Bank Product Matching
From referral to meeting
One referred SME can go from a registration link to a meeting request in your inbox, with its report behind it, without your team keying anything in.
Continue to From referral to meeting