Navigating the mortgage maze can be challenging for both individuals and business owners. Small and medium enterprises (SMEs), in particular, often struggle to secure financing, especially when their potential isn’t fully captured in paperwork.
But with the right guidance and personalised solutions, both individuals and SMEs can unlock the financing they need to grow and thrive.
When Jason Leong founded MOST Capital in 2020, he was no stranger to the mortgage industry. Having started his career as a personal banker in 2008, Jason witnessed firsthand the limitations of being tied to a single bank—especially when clients didn’t fit rigid approval criteria. This gap in flexible financing options inspired him to create a more agile, client-focused mortgage consulting firm.
“We wanted to serve the community better,” Jason shares. “That’s why we focus on facilitating unique financial goals through expert mortgage services. Today, MOST Capital Group stands as a premier provider, delivering customised solutions with professionalism and prompt responses.”
Rapid Growth Fueled by Trust and Tailored Service
The company swiftly evolved into the Most Capital Group Sdn. Bhd in 2021, securing RM103,014,456.00 in loan approvals. The subsequent year marked a significant milestone with a new office in Bukit Jalil and close to 100% growth, reaching RM204,895,958.00 in loan approvals. In 2023, the establishment of its subsidiary, MOST Capital Sdn. Bhd, and a services agreement with OCBC Bank (M) Bhd. showcased the company's expanding influence.
Specialising in property and SME business loan financing, the elite team of mortgage brokers ensures optimal outcomes for its diverse clientele.
MOST Capital Group offers a wide range of services to support customers at every stage of their financial journey. Their Mortgage Loan 4S service covers everything from checking your credit score (CCRIS), screening your financial profile to maximise loan eligibility, submitting your application to the best bank, and assisting with market valuation, offer letters, and bank account opening. They also help secure Mortgage Insurance that’s practical and affordable, along with support for claims and settlements in case of uncertainties.
Through their Legal Services, they connect you with trusted solicitors for agreement advice and documentation. For business owners, MOST Capital assists with SME Loans and Business Consultations, whether you're applying for funding or looking to start a mortgage business. They also provide coaching, training, and seminars to help individuals grow their careers in the financial sector.
Tailored Solutions, Not One-Size-Fits-All Packages
Jason explains that the company’s success stems from a personalised approach to each client’s unique needs. “When it comes to supporting SMEs, we understand that cash flow is vital. Many business owners—especially traditional ones—hesitate to take on financial commitments until it's necessary. We help shift their mindset,” he says.
“We guide clients in presenting a strong financial profile before applying for loans. This can significantly increase their chances of approval. We help them obtain key documents like CCRIS and CTOS credit reports, which we review together.”
MOST Capital’s consultative approach allows them to create bespoke solutions for each client rather than offering generic loan packages. Jason describes their role as a bridge between the client and the bank. “We tell the customer’s story. We gather documents, write recommendations, and explain the business background, helping the bank see the full picture.”
Growing People, Not Just Numbers
Jason believes that true success begins from within. “We invest heavily in training. We don’t just look at experience; we look at potential and then groom our team,” he explains.
MOST Capital’s HRDC-accredited training programs equip staff with the knowledge needed to stay ahead in the competitive mortgage landscape. Technology also plays a key role. The company’s in-house system streamlines customer service and ensures that consultants are always updated on the latest offerings from partner banks. “Today’s consumers are savvy, so we need to stay one step ahead,” Jason adds.
A Promise That Resonates
“We Commit to Your Success” is more than a tagline—it’s the company’s guiding principle. This commitment didn’t go unnoticed. In 2024, MOST Capital Group was recognised with the SME 100 Fast Moving Companies Award, marking a significant milestone just as the company celebrated its fifth anniversary.
Jason reflects on the recognition: “It validated our work. It showed us—and our partners—that we’re doing something right. We didn’t get here by chance. It was years of staying committed, staying humble, and always improving.”
As for the future, Jason is exploring IPO readiness, though his primary focus remains on strengthening the company’s foundation. “We want to grow sustainably and continue supporting the clients and partners who believed in us.”
In a competitive landscape, MOST Capital Group stands out for its innovation, customer-centric approach, and commitment to operational excellence. With strategic initiatives aimed at business expansion and portfolio diversification, the company is well-positioned for continued success.
As the financial landscape evolves, MOST Capital Group remains committed to simplifying the mortgage journey for individuals and SMEs. Through innovation, customer-centric approach, and portfolio diversification, the company is well-positioned for continued success.
Ready to make smarter moves with your mortgage or business loan?
Get in touch with MOST Capital Group today and take the first step toward financing with confidence. Visit www.mostcapitalgroup.com for more information.
This series of Business Stories is in collaboration with SME 100.
The views expressed here are those of the author/contributor and do not necessarily represent the views of Malaysiakini.
