Personal Loan Terengganu

Yes. Offshore rotation work isn't "irregular"—it's a structured schedule that's been industry-standard for 40+ years. Banks that call it "irregular" don't understand oil & gas employment. **Your situation:** 28 days offshore, 28 days onshore leave. During offshore rotation: base salary RM6,500 + offshore allowance RM3,800 + hazard pay RM2,200 = RM12,500/month. During onshore leave: RM0 active work but employment continues. **Annual income:** RM12,500 × 6 months = RM75,000/year = RM6,250/month average. **Bank sees:** "Works 6 months, unemployed 6 months. Too risky." **We see:** RM75,000 annual income from established oil & gas contractor. Rotation schedule is NORMAL for this industry. **We approve RM45,000-85,000 for:** - Property down payment (Kertih/Paka properties RM300,000-450,000) - Vehicle financing (remote area, no public transport—vehicle is necessity) - Family support (wife managing household solo during your 28-day offshore rotation) - Home renovation/extension **Repayment:** RM1,200-1,800/month depending on loan amount. We can structure payments to align with your salary deposits (every 28 days, not standard monthly). **Requirements:** - Employment letter stating rotation schedule clearly - Last 6 months payslips (we calculate average including all allowances) - Offshore work contract (shows employment is ongoing, not "6 months on, 6 months off") - Bank statements **Document signing flexibility:** We understand you're offshore 28 days. We schedule document signing during your onshore rotation. Many clients sign documents during their onshore week, and we process everything while they're back offshore. We've financed 780+ Terengganu offshore workers. Your rotation schedule is normal to us.

Absolutely. Monsoon seasonality in Terengganu fishing is 100% predictable—it's been the same pattern for centuries. That's not "irregular income." That's seasonal income with a known calendar. **Your numbers (typical Terengganu fisherman):** - Good fishing season (April-October, 7 months): RM4,500-6,000/month = RM31,500-42,000 - Monsoon season (November-March, 5 months): RM600-900/month = RM3,000-4,500 - **Annual total: RM34,500-46,500 = RM2,875-3,875/month average** **Traditional bank loan (WRONG approach):** - RM40,000 loan at RM850/month for 48 months - November-March: You pay RM850/month out of RM700 income = mathematically impossible without selling assets or borrowing from loan sharks - This is why fishermen avoid banks entirely **Our seasonal structure (RIGHT approach):** - RM40,000 loan, same 48-month term - **Good season (April-October): RM1,400/month** - **Monsoon season (November-March): RM300/month** - Total annual payment: (RM1,400 × 7) + (RM300 × 5) = RM11,300/year - Same total repayment, but structured around YOUR actual income calendar **During good season:** RM1,400 payment out of RM5,000 income = 28% (healthy) **During monsoon:** RM300 payment out of RM750 income = 40% (tight but survivable with savings from good season) **We approve RM25,000-65,000 for:** 1. Boat purchase or upgrade (RM50,000-120,000, with boat as collateral) 2. Fishing equipment (new nets RM8,000, engine overhaul RM12,000, GPS/sonar RM5,000) 3. Monsoon survival capital (RM15,000-25,000 to cover Nov-March expenses) 4. Cold storage investment (RM18,000-30,000—store fish during glut, sell during scarcity for 40% higher prices) **Requirements:** - Fishing license and boat registration - Landing receipts from ports (Kuala Terengganu, Marang, Dungun, Chendering—shows your catch history) - Boat ownership documents (if using boat as collateral) - 12 months bank deposits (we look at TOTAL annual income, not worst month) We've financed 620+ Terengganu fishermen. We understand monsoon isn't "business failure"—it's scheduled weather that's been happening every November-March for 10,000 years.

Yes! Perhentian, Redang, and Kapas island tourism operators face identical monsoon economics: 8 months revenue, 12 months expenses. We understand this completely. **Typical Perhentian resort numbers:** - Peak season (March-October): RM45,000-85,000/month revenue - Monsoon closure (November-February): RM0 revenue - Annual revenue: RM360,000-680,000 - Annual costs: RM280,000-480,000 (staff, maintenance, supplies, boat fuel, licenses) - Net profit: RM80,000-200,000/year But here's the cash flow problem: - November-February: RM0 revenue but RM15,000/month expenses (skeleton staff, maintenance, loan payments, family living costs) = RM60,000 cash outflow during 4-month closure You MADE money over the year (RM120,000 profit), but you need RM60,000 cash to SURVIVE the monsoon gap. **We provide RM30,000-75,000 for:** 1. **Monsoon Survival Capital** (RM30,000-50,000) - Covers 4-month closure expenses - Pay back during peak season (March-October) - Structured as revolving facility (borrow every Nov, repay by Oct, repeat annually) 2. **Monsoon Renovation Financing** (RM40,000-85,000) - Resort closed anyway—perfect time to renovate - New chalets, bathroom upgrades, roof repairs, dock rebuilding - Finish renovations before March reopening - Higher rates in peak season after upgrades = loan pays for itself 3. **Equipment Loans** (RM35,000-120,000) - Speedboats (RM80,000-150,000) - Diving equipment refresh (RM25,000-40,000) - Solar power systems (RM30,000-50,000—island electricity is expensive) **Repayment structure:** - Peak season (March-October): RM2,500-4,000/month - Monsoon season (November-February): RM0/month - Total annual: RM20,000-32,000 (very manageable from RM120,000+ annual profit) **Requirements:** - Last 12 months bank statements (we see full-year revenue, not just monsoon months) - Booking records (Booking.com, Agoda, direct bookings) - Resort license and insurance - Property ownership or long-term lease agreement We've financed 95+ island tourism operators in Terengganu. Monsoon closure is NORMAL. Banks that reject you because "November revenue RM0" don't understand island tourism. We do.