Overview & Execution Concept

AEZI AGENCY operates as a strategic Financial Coordinator, bridging the gap between Small and Medium Enterprises (SMEs) and institutional financing channels. Operating under the Islamic principle of Wakallah (agency mandate), AEZI AGENCY is appointed and authorized by clients to facilitate, streamline, and submit their financial applications directly through established banking access networks and fintech ecosystems, such as the Scorexcess platform initiative.

We do not dictate lending decisions; instead, we ensure your business documentation, operational metrics, and financing requests are professionally structured and submitted to the institutional processing pipeline.

Success-Based Fee Guarantee: To demonstrate complete alignment with our clients’ success, AEZI AGENCY charges a straightforward 2% coordination fee ONLY upon successful funding disbursement. No upfront charges are levied for application facilitation.

Core Strategic Financing Programs Facilitated

Below is the key institutional financing programs facilitated through our coordination network, tailored to different business profiles and operational scales:

1. Vendor Financing Program

Designed for businesses actively supplying or working with anchor corporations and established buyers.

•Financing Type: Invoice Financing

•Tenor: Up to 4 months

•Financing Amount: Up to RM 1,000,000

•Profit/Interest Rate: ~2% per month

•Eligibility Criteria:

•Minimum 2 years in active business operations.

•2 years of audited financial reports (Sdn Bhd) OR 2 years of B Form submissions (Sole Proprietorship).

•Valid Purchase Orders (POs) or active commercial contracts.

2. Youth Financing Program

A dedicated growth facility aimed at empowering young Bumiputera entrepreneurs and directors.

•Financing Type: Term Financing

•Tenor: 24 months

•Financing Amount: Up to RM 100,000

•Profit/Interest Rate: 2% per annum

•Fees: 1% processing fee (deducted after disbursement)

•Eligibility Criteria:

•Bumiputera status enterprise.

•Majority owners/directors must be under 40 years old.

•Minimum 6 months in operation.

•Minimum annual sales revenue of RM 60,000.

•Active corporate bank statements.

3. Micro Financing Program

A fast-track working capital facility structured for micro and small enterprise operations.

•Financing Type: Term Financing

•Tenor: Up to 5 years

•Financing Amount: Up to RM 100,000

•Profit/Interest Rate: 4% per annum

•Eligibility Criteria:

•Minimum 12 months in active operation.

•Active corporate bank statements showing a minimum ending balance of RM 500.

4. Bumiputera Contractor Financing Program

A specialized facility for Bumiputera contractors executing government, GLC, or MNC projects requiring project capitalization.

•Financing Type: Term Financing

•Tenor: Up to 5 years

•Financing Amount: Up to RM 1,000,000

•Profit/Interest Rate: 5% – 8% per annum

•Eligibility Criteria:

•Bumiputera status contracting entity.

•Minimum 3 years in operation.

•3 years of audited financial reports (Sdn Bhd) OR 3 years of B Form submissions (Sole Proprietorship).

•Minimum annual sales of RM 300,000.

•Latest audited report must show positive net worth and zero operating losses.

•Active Purchase Orders (POs) or confirmed contracts with Government agencies, GLCs, or MNCs.

How We Work (The Wakallah Process Framework)

1.Mandate & Document Review (Wakallah Appointment): The client appoints AEZI AGENCY as their authorized financial coordinator and submits operational/financial documents.

2.Structuring & Platform Submission: AEZI AGENCY verifies and structures the submission package into the Scorexcess institutional pipeline.

3.Institutional Processing: Participating financial institutions (including SME Bank, BSN, Bank Muamalat, Funding Societies, Planworth, etc.) review and approve the facility.

4.Disbursement & Success Fee: Upon successful fund disbursement into the client's account, AEZI AGENCY receives the agreed 2% service coordination fee.