Bank Overdrafts vs Bank Loans [ a Comparison ]

Comparison of Bank Overdrafts and Bank Loans - [ useful Tips ! ]

The key advantages of overdrafts and loans in certain business situations:

Advantages of an overdraft over a loan

Customer only pays interest when overdrawn

Bank has flexibility to review and adjust the level of the overdraft facility, perhaps on a short-term basis

Overdraft can be effectively be used as a medium-term loan – the facility is simply renewed each time the bank comes to review it 

Being part of short-term debt, the overdraft balance is not normally included in calculations of the business’ financial gearing 

Advantages of a loan over an overdraft

Business and bank know precisely what the repayments of the loan will be and how much interest is payable and when. This makes cash flow planning more predictable

The loan is committed – the business does not have to worry about the loan being withdrawn whilst it complies with the terms of the loan

Feel free to leave your comments here with contact details or

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SECURING BANKING LOAN - Pinjaman Perbankan

Hello . . . . .

to all Business Owners and Entrepreneurs,



we specialize in Providing solutions and services to SMEs from different Industry to successfully obtained their Funds through various schemes :

1. Offered by Government Agencies

2. Bank Negara Malaysia

3. Banks & Financial Institutions.

Among the schemes available Offered and Ready for Grab [ if u r eligible ] :

• Franchisee & Franchisor Financing Scheme
• New Entrepreneurs Fund 2 [ NEF 2 ] - Bumiputra Fund
• Fund for Small and Medium Industry [ SME 2 ]
• Fund for Food [ 3F ]
• Bumiputra Entrepreneurs Project Fund
• Rehabilitation Fund for Small Business [ SDRC ]
• Special Relief Guarantee Facility
• Direct Access Guarantee Facility [DAGS ]
• Small Entrepreneurs Guarantee Scheme [ SEGS ]
• New Principal Guarantee Scheme [ NPGS ]
• Islamic Banking Guarantee Scheme
• Flexi Guarantee Scheme [ FGS ] and more Offered by Govt Financial Institutions

to those interested to know more and to benefits from the schemes or just wanna revive the business to be ON THE TRACK or TO BE BACK IN THE GAME . . .

leave your comments here with contact details or

call/sms me at 012 3435 223

add me at FB http://www.facebook.com/azmanhass PM me there

LIKE our FB page http://www.facebook.com/pages/SolutionGate/234380816619806?sk=wall and leave a comments there

email me at iem2iem@yahoo.com

SME Loan - Sumber Pinjaman PKS

Dear Friends,

Call/Text/ Let me know if :

1. U need a financial Back Up for your UpComing Project / Tender

2. U need a Capital Injections to ur existing Business



3. U need Cash to Finance ur Dream House



4. Need Cash / Credit for the next Holiday . .



5. Need Help to Solve your Financial Burden

6. Need Help to finish up ur Savings - [ to invest lah . . .]

7. Need to get Bank Loans but dun know how . .

8. Need OD to secure some Tenders

9. Need FD to secure Loans

10. Need My Assistance in Financing - Personal / Business . .


Try me and i shall see how - Together We Solve Ur Problems . . .