Having orders does not always mean having cash available. Goods may already be delivered and invoices issued, while your business still needs to buy stock, pay staff and cover operating costs.

PH Capital Solution Sdn. Bhd. provides working capital loan enquiries in Johor for business owners exploring financing for temporary cash flow gaps.

We are a KPKT-licensed money lender based in Nusa Sentral, Iskandar Puteri, serving the Johor Bahru area. If your bank facility is insufficient or available funds do not cover your payment schedule, tell us about your situation.

What Is a Working Capital Loan?

A working capital loan supports everyday business expenses such as stock purchases, supplier payments, salaries, rent and project costs. It may help address a temporary gap between when your business needs to pay and when customer payments arrive.

A suitable loan amount depends on the actual funding gap and a realistic repayment source. Assessment considers cash collections, operating expenses and existing commitments, not just sales revenue.

What Can Working Capital Financing Be Used For?

• Stock and raw materials: Purchase supplies before receiving sales proceeds.
• Supplier payments: Cover invoices falling due while customer payments are pending.
• Salaries and operating costs: Address temporary funding needs for wages, rent and utilities.
• Customer credit terms: Manage the gap while waiting 30, 60, 90 days or longer for payment.
• Project mobilisation: Fund materials, labour or transport before project payments arrive.
• Insufficient bank facilities: Discuss a clearly identified gap beyond existing financing.

Additional borrowing may not resolve ongoing losses or the absence of a reliable repayment source. We assess the wider financial position.

Who Can Enquire?

Sole proprietors, partnerships, Sdn. Bhd. companies and company directors may submit their details for assessment. The following are examples of funding needs, not completed client cases:

• Johor Bahru wholesalers and distributors: Paying for stock before customers settle their accounts.
• Kulai and Senai manufacturers: Covering materials and production costs ahead of collections.
• Johor contractors: Paying for labour and materials while progress payments are pending.
• Restaurant and retail operators: Managing purchases, rent and temporary operating expenses.
• Logistics and transport businesses: Funding fuel, maintenance and wages before customers pay.

Real Case: RM200,000 Working Capital Loan for a Restaurant Owner

PH Capital previously provided a RM200,000 working capital loan to a restaurant owner for business cash flow needs.

For businesses facing similar needs, we review the requested amount, business income, existing commitments and repayment arrangements before assessing a suitable loan structure.

This historical case does not guarantee similar amounts, terms or approval for another applicant.

Secured and Unsecured Financing Options

Unsecured Business Loans

Assessment considers the business, bank statements, cash flow, existing commitments and repayment capacity. Guarantor and additional document requirements depend on the applicant's profile and requested amount.

Property-Secured Financing

Owners of residential, commercial or industrial property may also enquire about property-secured financing. Feasibility and the available amount depend on ownership, valuation, existing charges, legal procedures and repayment capacity.

Before signing, we explain the proposed amount, interest rate, tenure, instalments, applicable charges and security conditions so you can understand the full repayment obligation.

Documents for a Working Capital Loan Assessment

Customers paying in 60–90 days? Read our working capital document guide for Johor Bahru SMEs to organise invoice dates, expected collections and upcoming payments before your enquiry.

• Identification of the applicant or relevant company directors.
• SSM business or company registration documents.
• Recent business bank statements.
• Required amount, funding purpose and expected repayment source.
• Details of existing loans and monthly repayment commitments.
• Relevant invoices, purchase orders, confirmed orders or receivables information, where applicable.
• Management accounts or audited financial statements, where required.
• Property documents for secured financing applications.

The exact checklist depends on the business structure, amount and proposed financing. Contact us to confirm requirements and verify the official channel before submitting sensitive documents.

How the Application Process Works

1. Explain your funding needs: Share your business type, location, amount and purpose.
2. Submit the requested documents: Provide the relevant business and income records.
3. Complete the assessment: We review cash flow, credit terms, commitments and repayment capacity.
4. Review the proposed terms: If approved, understand the full conditions before deciding to sign.
5. Complete requirements for disbursement: Verification, documentation and applicable legal procedures must be completed.

Processing time varies with the amount, document completeness, verification and security arrangements. An initial enquiry is not an approval or disbursement commitment.

Working Capital Loan FAQs

Why is cash flow tight when my business has sales?

Sales are not always cash collected. Unpaid invoices, stock holdings and short supplier payment terms can create a funding gap. Assessment needs to consider actual payment dates, not just revenue.

Can I enquire if I already have a bank loan?

Yes. Existing loans and monthly repayments will be included in the assessment. An insufficient bank limit does not guarantee approval; any additional repayment must still be affordable.

Can I apply without owning property?

You may enquire about an unsecured business loan. Eligibility and the amount depend on the business, income, bank statements, commitments and repayment capacity.

Does having an order or invoice guarantee financing?

No. Orders and invoices can help explain the business need, but transactions, expected collections and overall repayment capacity still require review. They are not automatically accepted as collateral.

How much can my business borrow?

The amount is assessed against the actual cash flow gap, existing commitments and any security arrangements. Start with a clear funding purpose and repayment plan rather than the maximum amount.

Which areas do you serve?

We accept enquiries from Johor Bahru, Iskandar Puteri, Nusa Sentral, Skudai, Mount Austin, Kulai, Senai, Pasir Gudang and other areas in Johor.

Need Working Capital? Tell Us About the Gap.

What business do you run? How much do you need? Which payments are due, and when do you expect to collect? Share these details so our team can explain the next step.