A fast-growing healthcare group in Malaysia needed a RM2.5M financing facility to upgrade equipment and expand its clinics, but faced slow responses and inconsistent offers from multiple lenders. By using Lumina Fintech’s AI loan matching and AI credit assessment, the group quickly identified the right lenders, compared structured offers side by side, and locked in funding with lower effective cost and faster approval.
total facility approved across two lenders, with faster turnaround and better blended rates
The healthcare group was ready to expand its network of clinics and upgrade diagnostic equipment, but traditional loan applications meant repeating the same documents and explanations to multiple banks. Each lender used different criteria, turnaround times were slow, and offers were hard to compare. The finance team wanted a way to centralise the information, understand their true borrowing capacity, and find lenders who could move quickly without over-leveraging the business.
Lumina Fintech onboarded the healthcare group onto its AI loan platform, using a single digital profile to analyse cash flow, existing facilities, and collateral. Our AI loan matching and AI credit assessment engines then identified suitable lenders, simulated repayment scenarios, and highlighted trade-offs between tenure, interest rate, and collateral requirements. The team guided the client through shortlisting, documentation and negotiation.
RM2.5M in total facilities approved from two lenders, combining a term loan and revolving line to match the healthcare group’s capex and working capital needs.
Approval timeline reduced from an expected 6–8 weeks to around 14 days from submitting complete documents through the AI-powered process.
Effective financing cost lowered by an estimated 0.8–1.0 percentage points compared with the client’s initial direct-bank offers, based on blended pricing across both facilities.
Finance and management teams gained a clearer view of future borrowing capacity through Lumina’s AI credit assessment, supporting future expansion planning.
A weekly, executive-level decision mechanism to guide the process and solve problems as they arise.
"I hired Lumina Fintech for a small project & was very happy. He not only answered all my questions, but he didn't treat me like a 'small project'. I was very satisfied & would recommend."
