Sample report

See exactly what you’ll hand the bank.

Below is the Avenzor report family in full — built on Meridian Component Works Sdn. Bhd., a fictional manufacturer we use so you can read real structure without anyone’s real numbers.

Read the sample Start with your company

Meridian Component Works Sdn. Bhd.

Fictional precision-parts manufacturer · Kuala Lumpur · incorporated 2014. Every figure on this page is invented for illustration — the structure, stance, and wording are exactly what your own report uses.

Company profile (credit-bureau style)Audited statements FY2023–FY2025Management accounts to Apr 2026

The report family

One set of facts. Four readers.

The same sourced numbers are framed for the owner, the management meeting, and the banker. Switch between them — the notes on the right explain why each piece is built the way it is.

Avenzor · Owner · banker · advisorIllustrative — fictional company

Lending Readiness Report

Meridian Component Works Sdn. Bhd. · Fictional precision-parts manufacturer · Kuala Lumpur · incorporated 2014

Executive credit view1

Conditional — supportable with structure

Profitable five-year record and adequate debt service cover, but a 78-day debtor cycle and one customer at 31% of revenue mean borrowing should be structured against receivables, not taken as broad unsecured limits.

Five-year P&L (RM m)2

Year	Revenue	PBT	PAT
FY2021	6.84	0.41	0.31
FY2022	7.42	0.52	0.39
FY2023	8.05	0.38	0.28
FY2024	8.61	0.61	0.46
FY2025	9.18	0.74	0.56

Source: audited statements FY2023–FY2025; earlier years from the company profile. Facts and derived figures are kept separate.

Ratio diagnostics3

Net profit margin
PAT ÷ revenue, FY2025 — recovered from the FY2023 dip
6.1%Healthy
Current ratio
Current assets ÷ current liabilities — thin buffer
1.18xWatch
Gearing
Total borrowings ÷ shareholders’ funds, trending down
1.31xWatch
Debtor days
Receivables ÷ revenue × 365 — cash trapped in collections
78Risk
Debt service cover
Operating cash flow ÷ scheduled debt service
1.7xHealthy

Facility recommendation4

Controlled working capital line — invoice financing with a small overdraft sublimit for timing gaps only

Indicative RM 1.2m – 1.8m

Sized from confirmed receivables and the FY2025 cash conversion cycle, not from revenue alone.

Conditions before any application5

Assignment of proceeds over financed invoices
Top-debtor concentration capped at 35% of the financed pool
Quarterly management accounts submitted to the lender
FY2025 audited statements filed before drawdown

Action plan to enable lending6

File FY2025 audited statements with SSM
Bring tax instalments (CP204) current
Prepare aged debtor listing with credit terms
Negotiate 60-day terms with top two customers
Document the related-party advance and repayment plan
Collect six months of bank statements for conduct review

Prepared from the documents listed above as at 11 Jun 2026. No site visit, director credit reports, or bank conduct statements were sighted; FY2026 figures are unaudited management numbers. This is an assessment to prepare for lender conversations — not a promise of approval, an offer of credit, or licensed financial advice.

Standards

Every report carries the same discipline.

Source-linked figures

Every number traces to a named document and date. If a source is missing, the report says “not enough data” instead of guessing.

Facts apart from opinion

Extracted facts, calculated ratios, and interpretation are labelled separately — so a banker can check the basis of every claim.

Conservative facility wording

Controlled working capital, receivables financing, asset finance for named capex — never broad unsecured borrowing by default.

Limitations stated

What was sighted, what wasn’t, and what the report cannot promise. No approval claims, ever.

Depth grows with documents

Start with one document. Unlock the rest.

A company profile alone produces a useful baseline. Each document you add unlocks a deeper, more defensible assessment — you decide how far to go.

Company profile

Baseline financial analysis

Registration, governance, charges, and five-year filed financials become the first health read.

+ Credit bureau report

Credit-conduct assessment

Payment behaviour and existing facilities sharpen the view of how borrowing is actually serviced.

+ Audited statements

Audited-depth diagnostics

Full P&L, balance sheet, and notes unlock ratio diagnostics and audit-style credit diagnosis.

+ Management accounts

Latest-position lender pack

The freshest months close the gap between last audit and today — the pack a banker asks for first.

Your numbers, this clarity

Get this report for your company.

Upload a company profile and whatever financials you have. The first read tells you what the documents already say — and what to fix before a lender sees them.

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