What this service is
Most mortgage advice stops at “approved or not.” Cashflow consulting starts earlier: what cash do you need on hand after purchase, what margin of financing (MOF) is realistic, and how should the company / security be set up before a hard bank submission.
Equal to our other RMS2U services — not a side project. Delivered by Janice with the same multi-bank network.
Who it is for
- SME owners buying a factory, warehouse or workshop
- Shop / shophouse investors who care about cash on hand, not only rate
- Buyers where net purchase price sits below valuation and packaging matters
How fees work
Free path: initial consultation and standard loan packaging. RMS2U is compensated by the bank on successful disbursement — you pay nothing out of pocket for that path.
Paid path: cashflow structuring for complex SME / commercial deals (MOF design, entity checklist, cash-on-hand plan, multi-bank strategy before submit). Janice quotes a consulting fee before work starts. No surprise invoices.
Illustrative case (anonymised)
A factory purchase we structured for a business buyer (numbers rounded; subject to bank credit assessment — not a guarantee):
- Market / bank value: about RM5.1m
- Net purchase: about RM3.8m
- With a higher SME-style MOF on value (property + working capital where eligible), loan proceeds can sit well above the net purchase — leaving meaningful cash on hand after costs, when the profile qualifies
Exact MOF and cash outcome depend on the borrower, the asset and the bank. We never promise a fixed percentage on the website.
Try the free cash on hand after MOF calculator with your own numbers.
What you get
- Deal maths: value vs net vs MOF vs estimated cash on hand
- Entity / document readiness (what cosec, accounts and valuation need to show)
- Bank shortlist and packaging through follow-up
- Clear next step: free packaging path or quoted consulting engagement
As of BNM's 3 Sep 2026 MPS: OPR 2.75%; SBR 2.75%. Commercial and SME packages are credit-assessed case by case — WhatsApp Janice for a live read.
Related
FAQ
Is cashflow consulting free like a normal loan consult?
Initial screening is free. Standard loan packaging is bank-compensated on successful disbursement. Paid cashflow structuring applies when you need a designed plan for MOF, entity and cash-on-hand before we submit — Janice will quote before work starts.
Can financing exceed the property value?
Selected SME property packages can finance property plus working capital above property value for qualifying profiles, subject to credit assessment. Outcomes are never guaranteed; banks decide.
Who is this for?
SME owners buying factories, warehouses or shops, and investors structuring commercial purchases where net price, valuation and margin of financing must produce usable cash.
Start with your numbers
Send value, net price and what cash you need on hand. Janice will say free packaging or quoted consulting.
WhatsApp Janice