ArteyuLabs Services
The SME Money Desk
Financial documents written by someone who used to assess those documents for a bank. You know what the credit officer looks for, because we used to be that officer.
The Proposal Desk
Available nowBusiness plans, kertas kerja and financing submissions. We turn your numbers into a case an assessor can actually read — not a pretty file with nothing inside it.
Packages & pricing
| Package | Price | What the client gets |
|---|---|---|
| Kertas kerja pinjaman — starter | RM800–1,500 | A working paper for TEKUN, MARA, BSN or an SME Bank scheme: business profile, market section, simple projections, and the request laid out the way an assessor reads it. 5–7 working days. |
| Full financing pack | RM1,800–2,800 | A complete business plan, a live Excel financial model (P&L, cash flow, DSR view), and a document set ready to go to the bank. |
| SME service proposal pack | RM500–900 | A commercial proposal, scope of work and the reasoning behind your pricing — for an SME selling to a bigger customer. This one has to sell, so it is fully designed. |
| International business plans (Upwork) | US$150–500 | Fixed-price plans and lender-ready projections for overseas clients. |
We prepare the best document your real numbers allow. Nobody can guarantee a bank will approve — and anyone who says they can is someone to walk away from.
Ask first on WhatsAppLHDN e-Invoice readiness
Coming soonFor Malaysian SMEs in the RM1–5 million turnover band.
This service gets you ready in order rather than in a panic: collect TINs, clean up customer data, map classification codes, and settle who does what each day. We deliberately do not state LHDN dates or obligations here until they are re-checked against the official sources — these rules have already moved several times.
What it will cover
- Readiness assessment: where you stand, what is missing
- Data hygiene: customer TINs, SSM numbers and details collected and checked
- Classification-code mapping for your products and services
- Daily invoicing SOPs: who does what, when, in which system
- Short training for the person who will run it
- The Excel toolkit and report pack — yours to keep after the work ends
Not open yet
The toolkit and training material are built, but pricing and scope are not finalised and the official LHDN sources need re-checking before anything goes to a client. Until that is done, we are not taking bookings.
Tell me when this opensWe help you get ready. Nobody can “make” your business compliant — that is LHDN's call, not a product's.
Nadi Tunai
Coming soonCash flow: the date your cash goes below zero, and how many safe weeks come before it. An Excel system and a bank-statement analysis service — built and audited, not open yet.
How the work runs
1 · Intake — the Six Forcing Questions
A structured question script that gets the real numbers, real customers and the real repayment story out before a single sentence is written. No answers, no engagement.
2 · Draft
A document system that understands SSM entity types, SST, PDPA, CCRIS/CTOS realities, how DSR/DSCR is read, and Islamic financing structures.
3 · Verify
Scheme terms and official facts are checked against original sources the week the document ships — not from memory.
4 · Deliver
Word and Excel for banks, because banks read substance not decoration. A designed PDF where the document has to sell. One revision round included.