Productmatching
SPOT checks an SME against every rule of your financing products, and shows which it meets, which it nearly meets, and why.
Try it on a sample company| Product | Status | Indicative amount | |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working capital line | Eligible | RM 250k to 1.0m | Hide evidence | ||||||||||||||||||||
| |||||||||||||||||||||||
| Equipment financing | Eligible | RM 100k to 750k | Show evidence | ||||||||||||||||||||
| Trade financing | Eligible | RM 200k to 2.0m | Show evidence | ||||||||||||||||||||
| Green technology financing | Potentially eligible | RM 100k to 500k | Show evidence | ||||||||||||||||||||
Written for Decision-makers, Credit & risk
Sample company, anonymised. Figures are illustrative; the rules are the product's.
Checked against the product source on 16 October 2026.
Which products fit, and why?
It reads
- Facts from the SME's SPOT report (SSM, audited accounts, bank statements, ownership records)
- The SME's own declarations, for rules no document covers, such as Bumiputera equity
- Your bank's product rules
You get
- Your products, ranked for this company
- Every rule marked Met, Not confirmed or Not met, with its evidence
- Near misses, with the requirement that blocked each one
Think of it like this
Picture a careful loan officer with your product sheet beside the company file, ticking each requirement in turn, and writing "can't confirm yet" whenever the file is silent instead of guessing.
Three answers per rule
Every requirement ends in Met, Not confirmed, or Not met. When the file is silent, SPOT never guesses.
Met
Eligible only when every rule is met
The company’s records show the requirement is satisfied.
Not confirmed
Makes the product Potentially eligible
The records do not say either way, so your team knows which question to ask.
Not met
Makes the product a Near miss
The records show the requirement is not satisfied.
To firm up eligibility
3 actions would confirm open criteria across the matched products. Each is listed once.
Upload SSM shareholder documents (Form 24/49) and, if a company holds shares, the Beneficial Ownership register
Confirms Malaysian equity
Working capital line, Trade financing
Upload audited financial statements
Confirms Gearing ratio
Working capital line
Upload the required certificates or licenses
Confirms Required certifications
Green technology financing
Where a rule depends on something no document covers, such as Bumiputera equity, SPOT uses the SME’s own declaration and labels it Self-declared (unverified).
Take a document away
Switch off a document to see how each rule falls back or turns Not confirmed instead of being assumed.
Sample Foods Sdn Bhd
Food manufacturer · 65% owned by a Malaysian holding company
Beneficial Ownership register off: Malaysian equity (At least 51%) drops from 65% · Met to Not determined · Not confirmed, because a local holding company owns 65% and without the BO register its ultimate owners are unknown.
Audited accounts off: Annual turnover drops from RM 4.2m (Audited accounts FY2024) to RM 3.9m (Bank statements, annualised) and sets Gearing ratio to Not computed · Not confirmed.
Working capital line · RM 250k to 1.0m
Eligible
-
Operating years · At least 3 years
11.7 years · SSM profile
Met
-
Annual turnover · RM 300k to 25m
RM 4.2m · Audited accounts FY2024
Met
-
Malaysian equity · At least 51%
65% · SSM shareholders + Beneficial Ownership register
Met
-
Gearing ratio · At most 2.5x
1.4x · Audited accounts FY2024
Met
Your catalogue, one company
Every product you offer is ranked against the company, including near misses and the requirement that blocked each one.
Six catalogue products evaluated for Sample Foods Sdn Bhd
3 Eligible · 1 Potentially eligible · 2 Near miss
Working capital lineRM 250k to 1.0mEligible
Operating years: At least 3 years
This company: 11.7 years (SSM profile)
Met
Annual turnover: RM 300k to 25m
This company: RM 4.2m (Audited accounts FY2024)
Met
Malaysian equity: At least 51%
This company: 65% (SSM shareholders + Beneficial Ownership register)
Met
Gearing ratio: At most 2.5x
This company: 1.4x (Audited accounts FY2024)
Met
Equipment financingRM 100k to 750kEligible
Operating years: At least 2 years
This company: 11.7 years (SSM profile)
Met
Annual turnover: At least RM 500k
This company: RM 4.2m (Audited accounts FY2024)
Met
Sector fit: Manufacturing
This company: Food manufacturing (SSM business nature)
Met
Trade financingRM 200k to 2.0mEligible
Operating years: At least 2 years
This company: 11.7 years (SSM profile)
Met
Annual turnover: At least RM 1m
This company: RM 4.2m (Audited accounts FY2024)
Met
Malaysian equity: At least 51%
This company: 65% (SSM shareholders + Beneficial Ownership register)
Met
Green technology financingRM 100k to 500kPotentially eligible
Operating years: At least 1 years
This company: 11.7 years (SSM profile)
Met
Required certifications: Green technology certificate
This company: Not recorded (No certificate uploaded)
Not confirmed
Near misses · opened with the requirement that blocked each product
Export credit facilityRM 500k to 5.0mNear miss
Operating years: At least 7 years
This company: 11.7 years (SSM profile)
Met
Annual turnover: At least RM 5m
This company: RM 4.2m (Audited accounts FY2024)
Not met
Bumiputera enterprise financingRM 50k to 300kNear miss
Operating years: At least 1 years
This company: 11.7 years (SSM profile)
Met
Bumiputera equity: At least 51%
This company: 30% (Self-declared (unverified))
Not met
Fixed rules, your decision
Statuses and amounts come from deterministic rules in code. Credit checks and lending decisions stay with your bank.
Rule version 3 · Deterministic match engine
Same documents always produce the same statuses, ranking, and indicative amounts
Computed in code by SPOT
Rule checks (Met, Not confirmed, Not met), product ranking, near-miss blockers, and firm-up document suggestions
Decided by your bank at application
CTOS and CCRIS credit checks, relationship pricing, collateral review, and final lending approval
No credit-report filtering.
SPOT does not use CTOS or CCRIS to include, exclude, or score a product match. Your bank runs its own credit check when the SME applies; adverse CTOS items appear only as a separate credit advisory note.
Your catalogue stays yours.
Your workspace and the SME’s match hub show matches against your own linked institution’s products only. Another bank never sees your catalogue or your results.
AI only words the explanation.
Rule statuses (Met, Not confirmed, Not met), fit ordering, and indicative amounts come from fixed logic on verified facts (Rule version 3). AI writes only the explanation around a result.
Read with this
- Portfolio overview
The first screen your team sees. Every SME linked to your bank, summarised in one place, with the ones that need attention pulled to the top.
- SSM identity anchor
Before anything else, the SME uploads its SSM certificate. That certificate fixes who the company is, and every later document is checked against it.
Every rule, shown.
The same documents always give the same answer, and your team can see exactly why.
Continue to Statement analysis