Professional Services
Essential debt management solutions for individuals, families and enterprises
One-step debt management by an elite team
SBH offers the following professional services to help you with long-term bank debt management. This is a debt management chain, through which you have the flexibility to choose our services according to your individual needs.

1. Debt Management – ‘Easy on Debt’ bank debt management
Bank loans will be restructured to ensure affordable repayments. Our ‘Easy on Debt’ debt management system helps you lower interest rates and pay off your bank debts on affordable terms.
2. Portfolio Management
After resolving your debts, you will enter the ‘Personal Credit Rating Optimization’ stage (Portfolio Management) to help you optimize your personal credit rating and rating scores, and make full preparations so that you can borrow from banks at any time.
3. Bank Loan Consultancy (SME/ Personal/ Business Loan Consultation)
2. According to your financial situation, they will evaluate each bank and the type of loan from a short-term or long-term perspective, and suggest the most optimal loan scheme to help you make the smartest choice;
3. They will then explain to you the subsequent repayment plan after obtaining the bank loan to ensure that you pay off the bank loan on affordable terms;
*In certain cases, we do not suggest customers getting a bank loans, e.g. in cases of borrowing a new loan to clear off an old one.

4. Account Management
We will provide you with sound professional advice and assistance with regards to your bank loans, and do a good job of bank loan account management and all the necessary preparations, such as tax returns and other required documents. This is the most critical stage for a bank loan approval. Adequate documentation and compliance with bank approval criteria greatly increases … the chance of securing a loan. Additionally, we also offer professional accounting services to meet all your accounting needs. These include everything from simple book-keeping; monthly, quarterly or annual financial statements, SST and GST taxation submission, as well as professional accounting advice. Read more
5. Financial Education
- Placing debt in the correct perspective. In fact, a debt is not a bad thing per se. A lot of people make good use of bank resources to create their own wealth. The most important thing is to know how to pay it off;
- Banks provide a wide range of financial facilities, and you will learn to make the best use of bank resources to create your own wealth or healthy cash flow for your business;
- A lot of people are afraid of bank loans, but if planned and used correctly, bank loans are a blessing. It is an undeniable fact that banks have helped countless people get rich.

6. Mortgage Loans & Refinance
A lot of people make punctual, monthly repayments for their bank loans. You always have better alternatives to a loan, such as lower interest rates or shorter payback periods. As a matter of fact, we have a ready proven plan to help you save on mortgage interest. You only need to follow the plan to save up to 50% interest and, at the same time, shorten the payback period.*Terms and conditions apply

7. Passive Income Management
There are various legitimate investment channels available in the market, from which our financial consultants can provide you with professional and reliable investment solutions. More importantly, these investment solutions and investment companies that are regulated by Bank Negara can help you generate a stable passive income.Our core services are succinctly narrated in the above account, which represents a bank debt management chain for everyone, including SMEs. You are welcomed to choose individual services according to your personal or corporate financial needs.
* Please note that not everyone is eligible for bank loans. In the event that you do not qualify, we will tell you frankly and show you how to prepare for future loans.
Understand first, decide later
No documents required for preliminary contact, 100% FREE Consultation, no hidden charges
Toll free hotline: 1300 888 108
Caring Services
Empathetic + caring assistance to ease debt repayment & secure loans
As a professional financial consultancy, we are deeply concerned about your debts and loans, and we promise to deliver the following in our services:
1. Bank debt repayment solution:
A debt rescheduling plan will be drawn up based on your current financial situation and income to pay off bank debts in a painless manner, without affecting your good reputation.2. Bank loan solution:
With so many types of bank loan products available in the market, it is the duty of a professional financial consultant to select the types of loan that is most beneficial to you, one which best suits your actual needs, including the analysis of interest rates that are the most conducive and so on.We encourage smart borrowing, with 100% fund coming from a bank
More to the point, SBH does not provide loans. With our bank debt management and bank loan programs, all funds are 100% secured from banks. Everything is done in accordance with bank regulations, so that you can borrow with complete peace of mind and enjoy an easy repayment scheme at the same time!