Responsible Credit And Lending
- Humanising Debt
- Credit with Dignity
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.
- Job Related Expenses
- Medical Emergencies
- Car Repair
- Insurance Expenditure
- One Time Life Emergencies
- PTPTN
- Family Expenses
- Child Birth
- Baby Supplies and Strollers
- Groceries
- Cable Repair
How it works
Unlocking Financial Success – Here’s How It Works

our affiliate partners
Building Strong Connections – Meet Our Affiliate Partners





CONTACT US
Get in Touch – We’re Here to Assist You
OFFICE LOCATION
ReCal International Sdn Bhd (1202195D / 201601031254)
14A, Jalan SS 5B/4, SS 5,
47301 Petaling Jaya,
Selangor.
Phone
603 – 78904455
