ReCal – Financial Credit & Consultation

Responsible Credit And Lending

WHO ARE WE

Meet the Team Behind Your Financial Success

We are SKM approved co-operative that is setup to serve the underserved population of the country; via community financing mechanism to achieve higher financial inclusion for all.

CORE

Hassle free application, quick decision and online disbursement is at the core of our operations without compromising the proven-best practices of financial services namely know-your-customer, income derivation, data security and credit risk assessment. We deploy best in class processes and technology platform to drive our milestones.

VISION

It is our vision that all Malaysians should have access to credits when required and justified. We pride ourselves on being a responsible direct lender who fosters positive financial behavior and provides our customers with a loan that is compatible with his or her lifestyle.

MISSION

Our mission at ReCAL is to provide you with quick cash with a HEART. We believe in transparency and respect. We want to give you the key to unlock your financial future.

ReCal provides

Our Strengths, Your Confidence

SHARIAH-Complaint

We offer Shariah-compliant financial solutions, ensuring that our services adhere to Islamic principles and values.

pURPOSE DRIVEN LOAN

Our purpose-driven loans are designed to empower your dreams and aspirations, providing the financial support you need for your specific goals.

Straight-Through Processing

We streamline the loan application process with Straight-Through Processing (STP), ensuring seamless and efficient handling of your requests from start to finish.

DATA-POWERED CREDIT ASSESSMENT

Our data-powered credit assessment leverages advanced algorithms and comprehensive data analysis to determine creditworthiness accurately, helping you make informed lending decisions.

Lending as a service

We provide Lending as a Service (LaaS), enabling businesses to effortlessly integrate our lending solutions into their platforms, enhancing financial offerings for their customers.

Loan Management System

Our Loan Management System (LMS) simplifies the entire lending process, from application to repayment, with robust features and automation, making loan management efficient and user-friendly.

LENDING AS A SERVICE

Lending Simplified: Our Service, Your Financial Solutions

Legal

We are not illegal loan sharks (Ah Long) nor are we exorbitant alternative lender; that is taking advantage of your life circumstances. Our rates are capped at maximum of 18% per annum (excluding processing fees) as per Bank Negara guideline.

Technology-enabled

Fast decision via technology-enabled platforms.

Secured platform

Secured platform fulfilling the 4 pillars of financial service provider: KYC, Data Security, Credit Risk Assessment and Income Verification.

Credit assessment

More relevant and real life credit assessment parameters instead of the large financial institutions one-size-fit-all policies.

Flexible Payment

Flexible payment options via online transfer, cash deposit, cheque deposit and JomPay.

QUICK DISBURSEMENT

Quick disbursement when you need it most; without the administrative red tape.

get consultation

Let’s Talk Finance – Request Your Consultation Today

WHEN TO USE US

Choose Us When Financial Solutions Matter Most

It happens to all of us despite the best laid plans. Unforeseen life’s occurrences will often set our financial planning back by months if not years. Whilst ReCAL do not condone irresponsible lifestyle consumption’s, we are here to lend a helping hands in your moment of needs.