CBS Repair | Personal Loan | Business Loan
Loancrafted helps you repair your CBS score and access funding when you need it most. Whether you are looking for personal loans, business loans, or both, we work with trusted lenders to secure the best rates and terms for your situation.
If your CBS score is in good standing (AA-GG), you may qualify for financing of up to $300,000 to cover life's major needs, from weddings and home upgrades to business expansion and more. We streamline the process for quick approvals and tailor to fit your goals.
Simple, transparent, and Shariah-compliant financing designed to help SME's thrive and grow sustainably.
Scale Your credit rating
Leverage without business
Upgrade your equipment and technology without straining your cash flow. 100% financing available for essential business equipment and machinery.
Fuel Daily Operations
Keep your business running smoothly with flexible working capital solutions. Perfect for managing cash flow, inventory, and operational expenses with competitive rates.
Apply for SME financing in just 5 minutes. Get approved in 24 hours and receive funds within 48 hours. No hidden fees, competitive rates.
Malaysian entrepreneurs building success with faith-centered financing.
My CBS score was holding me back from getting the loan I needed. Loancrafted not only helped me repair my score, but also secured a personal loan at a much better rate than I expected. Fast, friendly, and professional service. I couldn't have done it without them.
CBS Repair + Personal loan
Singapore
I needed funds for my weeding but didn't want the stress of hunting for the best loan myself. Loancrafted made it so easy, they compared all the options and got me a freat deal. Highly recommend them for any big life events!
Personal milestone loan
Engineer
As a small business owner, cash flow is everything. Loancrafted understood my situation and crafted a financing plan that kept my business running smoothly. They handled the paperwork and approvals so quickly. It was a game changer.
Business loan
Cafe owner
Clear, practical answers about SME financing in Singapore and Malaysia.
Most declines come from documentation and credit profile. Income evidence: banks often expect 1–2 years of tax assessments (NOA in SG, LHDN in MY) and stable bank statements. Credit profile: lenders review CBS (SG) or CCRIS/CTOS (MY) for repayment history, current balances, and recent enquiries. Too many applications in a short time, thin income history, or high utilisation will lower approval odds.
GX indicates enquiries but no active credit history, essentially “new to credit.” Banks may be cautious, especially without recent NOA or stable income records. A practical path is to build history for 3–6 months: start with a small facility, pay on time and in full, avoid multiple applications, then reassess once statements and your CBS file improve.
A good CBS grade helps, but lenders still size loans against verified income and existing obligations. If NOA/tax history is short or uneven, banks may reduce limits or say no. Protect your grade: avoid new applications for a few weeks, keep utilisation modest, and let us stage submissions to prevent a cascade of enquiries that can drag a score down.
Focus on behaviours lenders reward: pay on time (preferably in full), keep balances low versus limits, and stop submitting frequent new applications. In Malaysia, monitor CCRIS/CTOS; in Singapore, check CBS for accuracy and dispute errors if needed. Consistency over a few cycles usually lifts eligibility more than any quick fix.
Even with a strong file, many enquiries in a single month or thin income documentation can trigger caution. Each enquiry appears in CBS/CCRIS and too many at once can impact pricing or approval. Keep applications targeted and spaced, and ensure 1–2 years of solid income evidence before requesting higher limits.
Submit fewer, better-timed applications, let us pre-assess and sequence lenders. Keep utilisation low, avoid last-minute credit limit increases, and pay all facilities on time. Share your latest credit report (CBS or CCRIS/CTOS), bank statements, and tax assessments so we can propose a realistic range before any lender sees your file.
Final limits depend on cash flow, leverage, credit profile (CBS/CCRIS/CTOS), industry risk, and documentation quality. We pre-assess your numbers first, then target lenders aligned with your profile to avoid unnecessary enquiries.