Client Experiences
What our clients have found useful.
A selection of accounts from firms that have used our written financial consulting engagements. Names and identifying details are presented with client permission.
← Back to Home12+
Years in practice
140+
Engagements done
4.8
Average rating
MIA
Member firm
From Our Clients
A selection of written accounts
Lim Kah Seng
Managing Director, Ipoh
We had the Capital Structure Review done after our main bank facility came up for renewal. I was not expecting the note to be as thorough as it was — it actually identified a shareholder loan arrangement that had been sitting quietly for years and was affecting how the bank viewed our equity position. The follow-up session was helpful for unpacking the options.
March 2025 · Capital Structure Review
Nora binti Razali
Finance Director, Taiping
The Cash Conversation gave us something concrete to bring to our board. We had suspected our receivables cycle was the main issue, but the written note was more specific than that — it showed us that a particular customer segment was consistently extending beyond agreed terms and by how much. Straightforward to act on. The price was reasonable for what it produced.
February 2025 · Cash Conversation
Tan Cheng Huat
Owner-Manager, Teluk Intan
I engaged them for the Margin Note on a pricing question for a new service line we were considering. The written response was exactly what I needed — it laid out the cost assumptions, showed what the gross margin would look like at different price points, and was plain enough that I could share it with my business partner without a lot of explanation. Delivered on time.
April 2025 · Margin Note
Rajendran s/o Gopal
Director, Kampar
We used the Cash Conversation to understand a dip in our cash position that coincided with an otherwise strong trading period. The diagnostic note identified that our inventory holding had extended without a corresponding adjustment to supplier payment terms. A fairly specific finding, but one we would not have arrived at ourselves without outside help.
March 2025 · Cash Conversation
Wong Pei Lin
CFO, Ipoh
I was prepared for the Capital Structure Review to tell us things were fine, which is more or less what it concluded. Even so, having that confirmed in writing — with the reasoning set out clearly — was worth the fee. I used the board note as part of our annual review documentation. The process was smooth and the team was easy to work with.
January 2025 · Capital Structure Review
Azlinda binti Hassan
Principal, Kuala Kangsar
The Margin Note addressed a specific question about whether a proposed change to our professional fee structure would hold up given our current cost base. The written note was longer than I expected for the price — it covered the margin at different volume levels as well as at the proposed fee point. Good value for what we got. I would use the service again.
April 2025 · Margin Note
Case Studies
Three engagements in more detail
Capital Structure Review
A family trading firm revisiting its financing ahead of planned expansion
The Situation
A Perak-based trading company was considering taking on a new warehouse and needed to understand how additional borrowing would sit alongside its existing facilities and shareholder lending before approaching the bank.
What We Did
We reviewed all existing credit facilities, the shareholder loan terms, and supplier credit arrangements. The written review set out the effective cost of each layer of financing and noted that the shareholder loan, if formalised, could be presented to the bank as equity-equivalent — improving the gearing picture.
The Outcome
The client used the board note in their bank conversation. The revised gearing presentation contributed to a better facility offer than anticipated. The engagement concluded in four weeks.
"We got a cleaner facility than we expected. The note gave us something concrete to put in front of the relationship manager."
Cash Conversation
A manufacturing firm with a cash gap that did not match its profit figures
The Situation
A small manufacturer in central Perak was reporting reasonable profits but struggling to pay suppliers on time. The owner believed the issue was seasonal but was not certain, and was reluctant to increase the overdraft facility without understanding the underlying pattern.
What We Did
We walked through twelve months of working-capital data alongside the finance team. The diagnostic note identified that one major customer — representing about a third of revenue — had extended its payment terms unilaterally, and that this pattern had gradually shifted the firm's effective receivables cycle by nearly three weeks.
The Outcome
The firm renegotiated payment terms with the affected customer. Within two quarters the cash position had normalised without any additional borrowing. The engagement took fifteen working days.
"We had suspected receivables, but not that it was one customer doing most of the damage. Having it in writing made the conversation with them easier."
Margin Note
A professional services firm weighing a fee increase for an existing service
The Situation
A small consultancy in Ipoh was considering raising fees for an established service line. The principals wanted to understand whether the margin improvement would hold up if volume dipped by ten or fifteen percent as a result of the increase.
What We Did
The Margin Note examined the current cost base for the service, calculated the gross margin at the proposed fee point, and then modelled what the margin position looked like at 85%, 90%, and 95% of current volume. The note also identified one cost line that was being allocated inconsistently across services.
The Outcome
The firm proceeded with a smaller fee increase than originally planned — the modelling suggested this was the point where volume risk was most manageable. The cost allocation correction was also addressed. Delivered in eleven working days.
"Seeing the margin at different volume levels changed our view on what size of increase was worth doing."
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