STS Wealth Care – Services
WELCOME TO STS WEALTH CARE

We help turn debt into structured financing for individuals & SMEs

STS Wealth Care works with licensed banks in Malaysia to help you structure, package and submit your financing application — with transparent terms and no upfront fees.

✓ Licensed bank partners ✓ No upfront fees ✓ End-to-end guidance
Request Free Assessment View Services
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Fast initial response
Indicative assessment in 24–48 hours*
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Bank-first process
All applications go through licensed banks
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Transparent fees
No upfront fees; terms agreed in writing

*Timeframes are indicative and depend on document completeness and bank SLAs.

Services

Bank loan solutions we can help with

Whether you are an individual or SME, we help you compare options across banks, understand the true costs and structure your application to improve your chances of approval.

Personal & Debt Consolidation

Personal loans & debt consolidation

For salaried employees and professionals looking for cash flow, emergency funds or to combine multiple high-interest facilities into a single, manageable instalment.

  • Unsecured personal loans via licensed banks
  • Debt consolidation / balance transfer strategies
  • Review of CCRIS / CTOS and repayment behaviour
  • Indicative affordability assessment before submission
Common use cases: credit card debts, education, medical, renovation. Check eligibility →
SME & Business

SME business financing

Tailored for small and medium enterprises in Malaysia that need working capital, expansion funds or project financing backed by proper financials.

  • Term loans, revolving credit & trade facilities
  • Financing based on company bank statements & audited accounts
  • Cash flow analysis & debt service coverage estimation
  • Support in preparing projections and justifications for banks
Suitable for Sdn Bhd, enterprise & partnerships. Discuss your business needs →
Property & Refinancing

Mortgage & refinancing advisory

For home buyers and property owners who want to compare packages across banks or restructure existing facilities to optimise monthly commitments.

  • New home purchase loans (residential & selected commercial)
  • Refinancing & cash-out options with licensed banks
  • Comparison of effective rates, lock-in & legal costs
  • Guidance on valuation, LTV ratio and documentation
We can also review how refinancing impacts your cash flow. Request a mortgage review →
Credit Health

Credit profile & document review

Many applications fail due to incomplete or poorly presented documents. We review your profile the way a bank officer would, before you apply.

  • Review of CCRIS / CTOS & commitments summary
  • Advice on improving your credit profile over time
  • Income proof & supporting document checklist
  • High-level scenario planning for future applications
Especially helpful if you were rejected previously. Book a credit health check →
Advisory

Independent loan comparison & guidance

Not sure which package or tenure to choose? We walk you through the pros and cons based on your risk appetite and financial objectives.

  • Comparison of selected banks’ indicative offerings
  • Explanation of effective interest, fees & “fine print”
  • Guidance on choosing tenure & repayment structure
  • Support before, during and after approval
No obligation consultation for qualified profiles. Talk to our team →
Process

How our bank loan advisory works

Our role is to prepare your case properly before it reaches the bank, so that you have a clearer picture of your chances and what to expect at each stage.

Initial discussion & quick screening

Share your objectives via WhatsApp, call or the form below. We will ask some basic questions on income, commitments and credit history to see if it makes sense to proceed.

Document checklist & profiling

If you are potentially eligible, we send you a tailored document checklist. After receiving your documents, we do an internal assessment to estimate indicative loan amount and potential issues.

Bank matching & application packaging

We identify suitable banks based on your profile and requirement (e.g. rate, tenure, product type) and help package your application in a format that bank officers are used to reviewing.

Submission, follow-up & approval

We coordinate with bank representatives, clarify any additional information required and keep you updated. Upon approval, we explain the offer, next steps and what to look out for before acceptance.

Note: Final approval, rates and amounts are determined solely by the respective banks based on their latest credit policies and risk appetite.

Why STS Wealth Care

Bank-compliant, client-first approach

We sit in between you and the banks — helping you present a stronger, clearer case while making sure you fully understand what you are signing up for.

  • Bank-compliant packaging – We understand what credit teams look for and help you structure your documents accordingly.
  • Independent comparison – We highlight key differences between selected banks so you don’t just choose based on headline interest rate.
  • Transparent fees – No upfront fees. Our engagement terms, if any, are agreed clearly in writing before you proceed.
  • Local market experience – Familiar with Malaysian salaried profiles, SMEs and common issues that result in rejections.
  • End-to-end support – From initial screening to post-approval questions, you have a single point of contact.
FAQ

Frequently asked questions

Here are some common questions about how we work, fees and eligibility. If your question is not answered here, feel free to contact us directly.

Do you charge any upfront fees?

We do not charge upfront fees for initial consultations and preliminary assessments. If there are any professional or processing fees applicable to your case, they will be explained and agreed in writing before you decide to proceed.

How do I know if I am eligible to apply?

Eligibility depends on your income stability, existing commitments, credit records and each bank’s internal policy. During our first discussion, we will ask a few questions and may request relevant documents to estimate whether it is sensible to apply.

Will checking with you affect my credit record?

Our preliminary assessment is based on the information and documents you share with us and does not by itself create new records with the banks. However, once you proceed with an actual application, the banks you apply with may perform their standard credit checks.

How long does the whole process usually take?

This depends on the type of facility, bank and how complete your documents are. In many cases, we can provide an indicative view within 24–48 hours after receiving your documents. Bank processing times can range from a few working days to several weeks.

Is my information kept confidential?

Yes. The information you share is used solely for the purpose of assessing and submitting your application to selected banks, or for providing advisory to you. We do not sell your data to third parties.

Contact

Request a free, no-obligation assessment

Share some basic details and our team will get in touch via WhatsApp or call to understand your situation better before suggesting the next steps.

By submitting this form, you consent to us using the information provided to assess your enquiry and to contact you. You may request for your data to be updated or removed at any time.

What happens after you submit

  1. We will review your details and, if needed, request for basic documents.
  2. You will receive a call or WhatsApp from our team to clarify your objectives.
  3. If your profile is suitable, we will outline possible options & next steps.
  4. You decide whether to proceed with any formal application.

Prefer to chat directly? You can also reach us via WhatsApp or call.

Important: Please avoid sending sensitive documents to unknown numbers. Our team will always identify ourselves clearly and you may verify our details before sharing.

© STS Wealth Care. All rights reserved.
Information on this page is for general guidance only. Actual approval, rates and amounts are determined by the respective banks based on their latest credit policies and terms.

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Office:

15-3, Jalan Anggerik Vanilla BE 31/BE, Kota Kemuning Seksyen 31, 40460 Shah Alam, Selangor Darul Ehsan.

Call :

011-27616073

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