Advantages of Setting Up or Converting to a Private Limited Company (Sdn Bhd) for Easier Bank Loan Access 设立或转换为私人有限公司（Sdn Bhd）以更轻松地获得银行贷款的优势
Advantages of Setting Up or Converting to a Private Limited Company (Sdn Bhd) for Easier Bank Loan Access
Starting or upgrading your business to an Sdn Bhd can bring valuable benefits, especially when it comes to bank financing.
Here’s a look at why Sdn Bhd companies have an advantage over sole proprietorships or general partnerships.
Benefits of Registering an Sdn Bhd:
Easier Bank Loan Access
The reputation of an Sdn Bhd is typically higher than that of a general business structure (e.g., Enterprise or General Partnership), so banks are more willing to offer loans to Sdn Bhds.
The financial statements submitted by an Sdn Bhd are considered more reliable because they are audited by external auditors and tax agents, ensuring accuracy and compliance.
This gives banks confidence in the company’s financial stability.
Expanded Business Growth Potential
As revenue grows, switching to an Sdn Bhd can bring tax savings (for example, from 30% down to 24% or even 15%), and companies have more options for financing to support expansion.
Banks see Sdn Bhd companies as having greater funding access and better repayment capabilities, making them favorable candidates for loans.
Perpetual Existence
Sdn Bhd is a separate legal entity, meaning that it continues to exist even if the owner passes away. The company remains responsible for its debts, so banks are not worried about uncollected debt due to an owner’s passing.
Liability and Debt Management
An Sdn Bhd is separate from its owner, meaning it can hold assets and debts independently. If the company meets specified asset requirements, banks feel more secure lending to it, knowing the company itself can assume responsibility for repayment.
Additional Benefits for Sdn Bhd Registration:
-Fee Waivers: RM1,000+ registration fee waived.
-Unlimited Company Name Searches: Find a name that aligns with your brand.
-Free Appointment of the First Company Secretary: Essential for legal compliance.
-Free First Bank Account Setup: Open your company’s first bank account without extra charges.
These factors make banks more inclined to lend to Sdn Bhd companies, making it a preferred business structure for those aiming to scale up their business and financing options.
Starting or upgrading your business to an Sdn Bhd can bring valuable benefits, especially when it comes to bank financing.
Here’s a look at why Sdn Bhd companies have an advantage over sole proprietorships or general partnerships.
Benefits of Registering an Sdn Bhd:
Easier Bank Loan Access
The reputation of an Sdn Bhd is typically higher than that of a general business structure (e.g., Enterprise or General Partnership), so banks are more willing to offer loans to Sdn Bhds.
The financial statements submitted by an Sdn Bhd are considered more reliable because they are audited by external auditors and tax agents, ensuring accuracy and compliance.
This gives banks confidence in the company’s financial stability.
Expanded Business Growth Potential
As revenue grows, switching to an Sdn Bhd can bring tax savings (for example, from 30% down to 24% or even 15%), and companies have more options for financing to support expansion.
Banks see Sdn Bhd companies as having greater funding access and better repayment capabilities, making them favorable candidates for loans.
Perpetual Existence
Sdn Bhd is a separate legal entity, meaning that it continues to exist even if the owner passes away. The company remains responsible for its debts, so banks are not worried about uncollected debt due to an owner’s passing.
Liability and Debt Management
An Sdn Bhd is separate from its owner, meaning it can hold assets and debts independently. If the company meets specified asset requirements, banks feel more secure lending to it, knowing the company itself can assume responsibility for repayment.
Additional Benefits for Sdn Bhd Registration:
-Fee Waivers: RM1,000+ registration fee waived.
-Unlimited Company Name Searches: Find a name that aligns with your brand.
-Free Appointment of the First Company Secretary: Essential for legal compliance.
-Free First Bank Account Setup: Open your company’s first bank account without extra charges.
These factors make banks more inclined to lend to Sdn Bhd companies, making it a preferred business structure for those aiming to scale up their business and financing options.
设立或转换为私人有限公司（Sdn Bhd）以更轻松地获得银行贷款的优势
创办或升级您的业务到私人有限公司可以带来宝贵的好处，特别是在银行融资方面。
以下是为什么私人有限公司比独资企业或普通合伙企业具有优势的原因。
注册私人有限公司的好处：
更便捷的银行贷款
私人有限公司的声誉通常高于一般企业结构（例如企业或普通合伙企业），因此银行更愿意向私人有限公司提供贷款。
私人有限公司提交的财务报表被认为更可靠，因为它们经过外部审计师和税务代理人的审计，确保准确性和合规性。
这让银行对公司的财务稳定性充满信心。
扩大业务增长潜力
随着收入的增长，转为私人有限公司可以节省税收（例如，从30%下降到24%甚至15%），并且公司有更多的融资选择来支持扩张。
银行认为私人有限公司拥有更多的融资渠道和更好的还款能力，因此成为贷款的有利候选者。
永久存在
Sdn Bhd 是一个独立的法人实体，这意味着即使所有者去世，它也会继续存在。该公司仍对其债务负责，因此银行并不担心因业主去世而导致债务未收回。
责任和债务管理
私人有限公司与其所有者分开，这意味着它可以独立持有资产和债务。如果公司满足特定的资产要求，银行就会觉得向其放贷更有保障，因为知道公司本身可以承担还款责任。
注册私人有限公司的额外好处：
- 费用豁免：豁免 RM1,000+ 注册费。
- 无限制的公司名称搜索：查找与您的品牌相符的名称。
-免费任命第一任公司秘书：对于遵守法律至关重要。
-免费开设第一个银行账户：开设您公司的第一个银行账户，无需额外费用。
这些因素使银行更倾向于向私人有限公司提供贷款，使其成为那些旨在扩大业务和融资选择的人的首选业务结构。
Dec 13,2024