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FINANCIAL STRUCTURE ADVISORY

Make Better Financing Decisions Before You Commit

We help individuals and SME business owners understand financial capacity, commitments and financing structure before taking on important borrowing decisions.

Choose Your Path Our Approach

FINANCIAL STRUCTURE ADVISORY

Structure First
Decisions Second

Structured perspectives to help individuals and SME business owners better understand their financial commitments before making important financial decisions.

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Explore Advisory Areas
CHOOSE YOUR PATH

What's Your Situation Now?

Select the option that most closely reflects your current financial decision or financing need.

FOR INDIVIDUALS

A Personal Financing Decision

01

For personal financing, housing, debt capacity and pre-financing assessment.

  • Planning to buy a home
  • Considering personal financing
  • Unsure how much debt is actually sustainable
  • Planning for debt consolidation
  • Concerned about credit position or previous rejection
  • Want a second opinion before applying

Explore Personal Advisory →

FOR SMEs

A Business Financing Decision

02

For working capital, expansion financing, bankability and financial structure.

  • Financing remains difficult despite a profitable business
  • Need working capital or expansion funding
  • Unsure how banks assess the business
  • Existing facilities may be poorly structured
  • Cash flow is under pressure despite revenue
  • Need financing but unsure what structure fits

Explore SME Advisory →

OUR ADVISORY PHILOSOPHY

Eligibility does not mean affordability.

Affordability does not necessarily mean sustainability.

01

Eligibility

Can a lender approve the financing based on its assessment criteria?

02

Affordability

Can your current cash flow carry the commitment comfortably?

03

Sustainability

Can the commitment remain manageable when income, costs or circumstances change?

HOW WE WORK

Clarity Before Action

01 - DISCUSS

Understand the objective, current financial circumstances and the decision being considered.

02 - ASSESS

Review the relevant financial information, commitments, capacity and key constraints.

03 - ADVISE

Explain the findings, trade-offs, risks and realistic options in clear practical terms.

04 - IMPLEMENT

Provide further implementation support where appropriate and separately engaged.

FOUNDER EXPERIENCE
12+
Years in Banking & Retail Lending

Led by Ryan Fong, RFP, with practical lending and credit-assessment experience.

WHY MAGNUS

Advice Should Come Before Execution

Lender-View Understanding

Real-world financing assessment.

Financial-Planning Perspective

Affordability and sustainability considered together.

Structured Process

Evidence-based, documented assessment.

Advice Before Implementation

Clarity before further action.

YOUR NEXT DECISION

M

WHERE WOULD YOU LIKE TO START?

Personal Financing Decision ↗ Business Financing Decision ↗

Structured financing advisory for clearer decisions before commitment.

For Individuals & SMEs

ADVISORY

Individuals

SME

Strategic Credit & Capacity Review

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