Learn what banks and lenders really look at, fix the gaps in your credit profile, and apply with confidence. Practical, jargon-free, face-to-face training by a former Head of Credit Risk.
Simon LeeFormer Head of Credit Risk and CEO. 20+ years in Malaysian banking.
HRDC claimable. Certified in AI for business.Most SME owners are good at running a business, not at reading a bank's credit assessment. The gap between those two is where loans get lost.
Healthy books, ten years of clean repayments, and the answer is still no. Often with no proper reason.
Each rejection stays on your record. Applying again without fixing the cause makes it worse.
A higher risk premium, a lower financing margin, stricter covenants and extra collateral all cost real money.
Missing documents, slow replies to the banker's queries and valuation delays stretch a few weeks into months.
CCRIS, CTOS, DSCR, gearing. Banks score all of it, and few owners are ever shown how.
Every credit decision comes back to the 5Cs. Weakness in any one of them raises your risk rating, and your interest rate with it.
Illustrative profile, not a real company.
You can't change the bank's criteria. You can change the evidence you put in front of them.
Complete, consistent applications cut the back-and-forth that slows processing.
A stronger risk profile qualifies for lower risk-based pricing and better financing terms.
Audit-ready financials and organised records that build confidence at the credit desk.
A solid credit track record is what unlocks larger limits as your business scales.
Bankability scores (out of 50) before and after following the roadmap, from three case studies in the programme.
Illustrative case studies used in the training. Individual results depend on each business and each lender's decision.
You leave with a 30-day, 90-day and 12-month roadmap for your own business, not a pile of theory.
What banks and lenders don't tell you. A practical 2-day, face-to-face workshop in five modules. HRDC claimable.
Every SME community has different needs. Choose the format that fits, and we shape the content around it. Both are delivered face to face, because the case exercises and group discussions work best in the room.
Public workshop
Sit with owners from other industries, swap stories and learn what lenders expect, at a fixed date and a per-seat fee.
In-house training
We come to you with case studies and examples that match your industry, your numbers and the facilities you actually need.
We can design a session for your members, from a focused talk to the full programme, using the problems your members face most.
Two tools built by Simon to show you how ready your business is, and what to fix first.
Rate your business from 0 to 5 on ten criteria banks care about. Get a score out of 50 and a clear list of weak spots.
Get the self-assessmentA 65-item self-audit across ten categories, from credit profile and cash flow to collateral and ESG. Your score is items done divided by total.
Get the checklist
Simon Lee spent more than 20 years in Malaysian banking, including as Head of Credit Risk Management. He also ran a company as CEO. He knows how lenders judge an application, and what it feels like to be the owner waiting for the answer.
Banking career includes OCBC, AmBank, Maybank, CIMB, RHB Bank, Affin Bank and SME Bank Malaysia. Bachelor of Financial Administration, The University of New England, Australia.
Certified in AI for business. Simon holds the CertNexus Artificial Intelligence BIZ (AIBIZ) and GenAIBIZ certifications.
Bridging the gap between SME aspirations and banking reality, one training at a time.
Start with the flagship workshop. New programmes will be added here as they launch.
The 2-day practical workshop on how banks assess SMEs and how to become bankable.
A placeholder slot. Each new programme gets its own page, format options and enquiry button.
Tell us the challenge your team or members face and we'll shape a session around it.
Can't find your answer? Message Simon directly.
Owners, directors and finance managers of Malaysian SMEs who want to borrow, or want to borrow on better terms. No banking background needed.
Yes. The programme is HRDC claimable. Employers registered with HRD Corp can claim the training fees, subject to their levy balance and HRD Corp's claim rules. Ask us for the details you need for your application.
No. The workshop is delivered face to face, because the case exercises, group discussions and live Q&A need real interaction with Simon and the other participants.
No, and it's better if you aren't. The roadmap runs over 30 days, 90 days and 12 months, so starting early gives you time to fix problems before a banker sees them.
No. Lenders make every credit decision. The training helps you understand their criteria, strengthen your profile and present a complete application. It is education, not financial advice, and Simon does not arrange loans.
Public workshops are open sessions on fixed dates, where you learn alongside other SMEs. In-house training is delivered for your own team, with examples tuned to your industry and a schedule that suits you.
Fees depend on the format, group size and venue. Request a quote and you'll get a clear answer. You can also try the free 2-hour preview session first.
The Bankability Self-Assessment, the 65-item Loan Readiness Checklist, a 30-day, 90-day and 12-month roadmap, and worked case studies you can reuse.
See how Simon teaches, meet other business owners and find out where your business stands. No obligation.
Last updated: 17 October 2026. Issued under the Personal Data Protection Act 2010 (Malaysia). Notice in English and Bahasa Malaysia.
This website is operated by Simon Lee (Lee Chee Keong), trading as SME Trainings, based in Shah Alam, Selangor, Malaysia ("we", "us"). We are the data user for personal data collected through this website. You can contact us at simon@smetraining2u.com or 012-464 6838.
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If this English notice and the Bahasa Malaysia notice differ, the English version prevails.
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Sekiranya notis Bahasa Inggeris ini dan notis Bahasa Malaysia berbeza, versi Bahasa Inggeris akan diutamakan.