MOST Capital Continues to Simplify Financing for SMEs

Founded in 2020 by Jason Leong, MOST Capital Group Sdn Bhd has rapidly emerged as a leading mortgage consulting firm in Malaysia, specialising in tailored financing solutions for both individuals and SMEs.

Recognising the challenges that many borrowers face – particularly SMEs whose potential often goes unrecognised on paper – Jason established MOST Capital to provide flexible, client-focused solutions that bridge the gap between banks and borrowers.

Jason’s career began in 2008 as a personal banker, where he experienced firsthand the limitations of traditional lending models. Motivated by the need for more adaptable financing options, he founded MOST Capital to empower clients with customised mortgage solutions.

“We wanted to serve the community better. That’s why we focus on facilitating unique financial goals through expert mortgage services,” he explained.

MOST Capital’s growth has been swift and strategic. By 2021, the firm had transformed into MSOT Capital Group Sdn Bhd, achieving RM103 million in loan approvals.

A year later, the company nearly doubled its output, reaching RM205 million, alongside the opening of a new office in Bukit Jalil.

In 2023, the launch of its subsidiary, MOST Capital Sdn Bhd, and a services agreement with OCBC Bank Malaysia underscored its expanding influence and credibility.

Comprehensive, Client-Centric Services

MOST Capital specialises in property and SME business loans, providing end-to-end support through its Mortgage Loan 4S service. The firm guides clients through every step – from reviewing credit reports and financial profiles to submitting applications to the most suitable banks.

Its services extend to market valuations, offer letters, bank account opening, mortgage insurance, legal documentation and even business consultations for entrepreneurs seeking funding or career development in the financial sector.

MOST Capital’s consultative approach ensures each client receives a bespoke solution rather than a generic loan package.

“We tell the customer’s story. We gather documents, write recommendations, and present the business background to help the bank see the full picture,” Jason explained.

This personalised methodology has proven instrumental in helping SMEs optimise cash flow and secure critical financing.

Beyond client solutions, MOST Capital is committed to developing its internal talent. HRDC-accredited training programs cultivate the next generation of mortgage consultants, while in-house technology platforms streamline operations and keep consultants updated on the latest bank offerings.

“We invest heavily in training. We don’t just look at experience; we look at potential and then groom our team,” Jason noted.

More recently, MOST Capital Group’s dedication to innovation and excellence was recognised with the ASEAN SME100 Award 2025– a significant milestone that Jason said validated the team’s work, proving to the company’s partners that MOST Capital is on the right trajectory.

Looking ahead, MOST Capital aims to strengthen its foundation while exploring sustainable growth initiatives, including potential IPO readiness. With a customer-centric approach, operational excellence and portfolio diversification, the company is well-positioned to continue simplifying the mortgage journey for individuals and SMEs across Malaysia.