Services
Three Engagements,
One Practice Area
tabulaxxes's work sits at three levels of financing engagement — personal loan review, corporate transaction documentation, and institutional regulatory advisory. Each is structured and priced independently.
← Return to HomepageMethodology
How the Firm Approaches Each Matter
tabulaxxes's three services address distinct client situations, but the approach across all three follows a consistent pattern: a written scope agreed at the outset, substantive review or advisory work within that scope, written outputs delivered at agreed points, and a fee that does not move unless the scope does.
For personal loan documentation, the work is centred on the borrower's understanding — reading the facility letter and security documents carefully, noting what they commit the client to, and communicating that in plain language. For corporate transactions, the work is centred on orderly execution — managing documentation, counterparty review, and closing logistics so the transaction proceeds without unnecessary delay. For institutional clients, the work is centred on informed compliance — tracking regulatory developments and making them accessible to the teams that need them.
Loan Documentation & Personal Finance Advisory
A focused engagement for individuals and small businesses reviewing or negotiating loan documentation — home financing, term loans for working capital, or refinancing arrangements. The work covers careful reading of facility letters, security documents, and related guarantees, with a plain-language advisory note explaining material clauses. Where attention is warranted, the team prepares a courteous letter to the financial institution proposing amendments. A conversation follows so the client can ask questions before signing.
Key Deliverables
- Plain-language advisory note on material clauses
- Review of facility letter, security documents, and guarantees
- Amendment correspondence with the lender (where applicable)
- Pre-signing Q&A conversation
Typical Process
Client shares documents — facility letter, security instrument, any related guarantees
Documents reviewed and advisory note drafted, typically within 3–4 working days
Advisory note delivered; amendment letter sent to lender if required
Follow-up conversation — client asks questions and confirms readiness to sign
RM 800
Enquire About ThisCorporate Financing & Transaction Documentation
For corporate borrowers and lenders involved in syndicated facilities, project financings, term loans of meaningful size, or refinancing transactions. The work covers preparation or review of the finance document suite — facility agreement, security documents, intercreditor arrangements, and legal opinions — alongside conditions precedent management and closing logistics. The team coordinates with finance teams, in-house counsel, and the financial institution's solicitors so the transaction proceeds in an orderly fashion.
Key Deliverables
- Full suite of finance documents prepared or reviewed
- Security documents, intercreditor, and legal opinion coordination
- CP checklist management and closing logistics
- Closing memorandum — shape of financing, security, and ongoing obligations
Typical Process
Scope confirmed; transaction plan shared with client at outset
Document preparation and counterparty review, coordinated across parties
CP checklist managed; bank solicitors' queries addressed
Closing; closing memorandum delivered to client within two working days
RM 1,650
Enquire About This
Banking Regulatory & Programme Advisory
A sustained engagement for financial institutions, fintechs, and corporate clients with ongoing financing programmes. Covers regulatory advisory under Malaysian frameworks, structuring of financing programmes including securitisation or note issuance, guidance during regulatory inspections or queries, and quarterly written briefings on developments worth tracking. Where the client is launching a new product or service, the engagement also covers product design review and preparation of customer-facing documents.
Key Deliverables
- Regulatory advisory under FSA, IFSA, and BNM guidelines
- Financing programme structuring and securitisation support
- Guidance during BNM inspections or regulatory queries
- Quarterly regulatory briefings distributed to client team
- Product design review and customer document preparation
Typical Process
Initial meeting to understand the client's regulatory situation and programme scope
Engagement letter confirming scope, quarterly rhythm, and fee
Ongoing advisory support; queries addressed on working days
Quarterly briefing distributed; scope reviewed annually
RM 2,250
Enquire About ThisWhich Service Fits
Feature Comparison
| Feature / Scope | Loan Advisory RM 800 |
Corporate Financing RM 1,650 |
Regulatory Programme RM 2,250 |
|---|---|---|---|
| Facility letter review | |||
| Plain-language advisory note | |||
| Amendment letter to lender | |||
| Syndication / project finance docs | |||
| Closing memorandum | |||
| BNM regulatory advisory | |||
| Quarterly briefings | |||
| Product design review (fintech) | |||
| Securitisation structuring |
Best for
Loan Advisory
Individuals and SMEs reviewing a bank facility letter or refinancing arrangement before signing.
Best for
Corporate Financing
Corporate borrowers and lenders executing a term loan, syndicated facility, or project finance transaction.
Best for
Regulatory Programme
Financial institutions, fintechs, and corporate groups with ongoing financing programmes and compliance requirements.
Across All Services
Common Standards
Written Scope Agreement
Every engagement begins with a written scope confirming deliverables and fee.
Legal Privilege
All client communications are protected by legal professional privilege.
Malaysian Bar Compliance
All practitioners hold valid practising certificates and comply with Bar Council guidelines.
PDPA Compliance
Client data handled under the Personal Data Protection Act 2010.
Same-Day Acknowledgement
Enquiries received during office hours acknowledged the same day.
No Surprise Billing
Additional work discussed and agreed before it proceeds — never added post-engagement.
Fees
Engagement Fees
Service 01
Loan Advisory
Personal & SME financing
RM 800
Per engagement
- Facility letter & security document review
- Plain-language advisory note
- Amendment letter if required
- Pre-signing Q&A session
Service 02 — Most Engaged
Corporate Financing
Transactions & documentation
RM 1,650
Per transaction
- Full finance document suite
- Intercreditor & security review
- CP management & closing
- Closing memorandum
Service 03
Regulatory Programme
Institutional & fintech clients
RM 2,250
Periodic engagement fee
- Ongoing regulatory advisory
- Programme structuring support
- Quarterly written briefings
- Product design review
Begin an Enquiry
Not Sure Which Service Fits?
A brief description of your financing situation is enough to start. The team will confirm which engagement is most appropriate and provide further detail before any commitment is made.
Send an Enquiry