X.O.R Advisory

Malaysia’s Premier Financial Experts, offering you the opportunity to revitalize your financial profile and eliminate all outstanding debts.

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Call for Enquiry

011-5411 1264
03-9776 2464

Send An Email

info@xoradvisory.com.my

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About Us

XOR Advisory pioneers Malaysia’s sole use of Concept Financial Hospital, backed by 18 years of financial expertise. We empower individuals to confidently clear debts and enhance their financial profiles. Our officer reach extends across the Klang Valley and beyond, including Penang, Johor, Melaka, and Perak

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Services

We are a leading financial consultancy that help Malaysians in navigating their financial challenges, offering impactful solutions that elevate them from difficult financial circumstances.

Mortgage Loan

We offer a proven strategy to reduce interest rates and shorten repayment durations. Simply adhere to our tailored plan for financial needs.

Personal Loan

Our debt management framework helps you reduce interest rates and repay bank debts under favorable terms.

SME Loan

Our financial consultants provide tailored advice on optimizing SME bank loans, taking into account individual financial situations and business objectives.

Mortgage Loan

We offer a proven strategy to reduce interest rates and shorten repayment durations. Simply adhere to our tailored plan for financial needs.

Personal Loan

Our debt management framework helps you reduce interest rates and repay bank debts under favorable terms.

SME Loan

Our financial consultants provide tailored advice on optimizing SME bank loans, taking into account individual financial situations and business objectives.

Why Choose Us

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Realign Financial Structure

We can solve AKPK, CCRIS, SAA, HIGH Komitmen, Blacklist.

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Assist With Loan Documentation

We specialize in doing bank loan for Government-Link Company (GLC), Public Listed Company (PLC), Multi Nasional Company (MNC) and Private Ciompany (Swasta)

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Free Professional Service

We provide Free Profile Checking, 1 to 1 Consultation and Free Calculation

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Our Expertise

Case Approval Within

7 Days

Case Submission In

24 Hours

Collaborate Parties

18 Banks

Professional Team

50+ Officer

Our Expertise

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Case Approve within 7 Days

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Case Submit in 24 hours

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Collaborate with 18 Banks

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Professional Team 50+ Officer

Testimonial

We value and prioritize feedback from our clients. Discover firsthand testimonials highlighting their experiences with us.

Many of so call “agent” tell me that my loan is approved and ask me to bank in money for active loan account. Lastly, get SCAM loh!! This company didn’t ask for any upfront and meet me face to face in their office. Confidence with them and clear about their procedure.

Adam Tan
Business Owner

During pkp, cut pay and lost my job that make me go for money lender. I know that money lender repayment is higher than bank, but that time no choice to go for it. Luckily XOR help me to settle it and convert to bank loan. Appreciate!

Liyana Marzuki
HR Executive

I actually don’t have any financial issue. But that day my parent was admit to hospital and I overspend my credit card. Was suffer the every month min payment 5% of the CC and cant settle it because after pay min then keep swipe back and use. XOR help me to consolidate all my CC into one loan with lower rate compare to credit card interest. Thanks a lot

Hafiz Syahrul
Admin

I have an akpk issue around 5years. And my schedule in akpk will increase every 2years, even my increment also didn’t increase so much. Thanks for XOR helping me to consolidate my bad debt in akpk and get a fix monthly repayment that I can afford. Slowly I can plan to buy a house for my family!

Matthew
Business Owner

Many of so call “agent” tell me that my loan is approved and ask me to bank in money for active loan account. Lastly, get SCAM loh!! This company didn’t ask for any upfront and meet me face to face in their office. Confidence with them and clear about their procedure.

Adam Tan
Business Owner

During pkp, cut pay and lost my job that make me go for money lender. I know that money lender repayment is higher than bank, but that time no choice to go for it. Luckily XOR help me to settle it and convert to bank loan. Appreciate!

Liyana Marzuki
HR Executive

I actually don’t have any financial issue. But that day my parent was admit to hospital and I overspend my credit card. Was suffer the every month min payment 5% of the CC and cant settle it because after pay min then keep swipe back and use. XOR help me to consolidate all my CC into one loan with lower rate compare to credit card interest. Thanks a lot

Hafiz Syahrul
Admin

I have an akpk issue around 5years. And my schedule in akpk will increase every 2years, even my increment also didn’t increase so much. Thanks for XOR helping me to consolidate my bad debt in akpk and get a fix monthly repayment that I can afford. Slowly I can plan to buy a house for my family!

Matthew
Business Owner

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