Pambiz Financial

Pambiz Financial Providing SME's Advisory and obtained financing to SME's customer Providing SME's Advisory & obtained Bank Financing to SME's Customer

20/08/2026

24 people went for a KFC job interview.

23 were hired.

Only one person was rejected.

That person was Jack Ma.

And KFC wasn’t his only rejection.

Jack Ma has shared that he applied for around 30 jobs and was rejected again and again.

But he didn’t stop.

He kept learning, kept trying, and eventually became an English teacher.

Later, he discovered the Internet and saw an opportunity that many people couldn’t see at the time.

A few years later, he founded Alibaba.

Think about it:

The man KFC didn’t want eventually built a company known around the world.

That’s also something I believe when it comes to hiring.

Experience matters.

But sometimes…

Attitude.
Willingness to learn.
And the courage to try.

Matter even more.

And yes — we’re hiring! 🔥

If you may not have the strongest experience yet, but you’re willing to learn, grow and challenge yourself in Sales, we’d love to hear from you.

📩 PM me for more information.

I’m Max Ma. See you in the next video.

18/08/2026

Recently, I came across a news report about 29 local artistes who were declared bankrupt due to debt issues.

The first thing many people may think is:

“Aren’t celebrities earning a lot? How can they go bankrupt?”

But if you think about it, artistes are actually quite similar to business owners.

They don’t have a fixed monthly income.

When there are advertisements, shows, events or projects, their income can be very good.

But when there are no jobs, their income can suddenly drop.

It’s the same for business owners.

Your company may achieve RM500k in sales this month, but that doesn’t mean you have RM500k sitting in your bank account.

Customers may not have paid yet, but salaries, rental, suppliers and bank instalments still need to be paid.

That’s why sometimes, the real problem is not how much you earn.

It’s how well you manage your cash flow.

Making more money is important.

But the more important question is:

If your income suddenly stops, how long can your cash flow keep you going?

Whether you’re an artiste, an employee or a business owner:

High income ≠ Financial security.
Cash flow is what keeps you going in the long run.

I’m Max Ma. See you in the next video. 💪

17/08/2026

🤝 Something exciting is coming…

PAM BIZ SDN BHD is excited to announce an upcoming collaboration with Kolej Teknologi Bestari Caw. Ampang.

This collaboration is more than just bringing a company and a college together. It’s about bridging Education × Industry and creating more opportunities for the next generation.

🎓 Real-world exposure
💼 Practical training & career opportunities
🚀 Industry experience and future growth

Place • Train • Grow

Official MOU Signing — Coming Soon. ✨

We look forward to sharing more with you soon!

16/08/2026

You probably use Shopee all the time.

But do you know the story of the man behind it?

His name is Forrest Li — 李小冬 (Li Xiaodong).

His journey didn’t begin at the top.

Born in Tianjin, China, Forrest graduated from Shanghai Jiao Tong University before pursuing his MBA at Stanford University.

There’s also an interesting story behind his English name.

Because many people found “Xiaodong” difficult to pronounce, he adopted the name Forrest, inspired by the movie Forrest Gump.

After graduating, he moved to Singapore.

At the time, he was still carrying student debt and reportedly lived with his wife in a rented room in an HDB flat.

Who would have imagined that this young man would eventually build one of Southeast Asia’s most influential internet companies?

In 2009, he founded Garena, starting with the gaming business.

But even after Garena became successful, Forrest didn’t simply stay comfortable with what was already working.

He saw another huge opportunity:

E-commerce in Southeast Asia.

In 2015, Shopee was launched.

The market already had strong competitors.

So how could a newcomer compete?

Shopee focused heavily on a mobile-first strategy, riding the rapid growth of smartphone adoption across Southeast Asia.

And we know what happened next.

🇸🇬 Singapore
🇲🇾 Malaysia
🇮🇩 Indonesia
🇹🇭 Thailand
🇻🇳 Vietnam…

Shopee grew into one of Southeast Asia’s leading e-commerce platforms, while its parent company, Sea, eventually listed in the United States.

From a young man carrying student debt and renting a room…

to becoming a billionaire entrepreneur.

But I think the biggest lesson from Forrest Li’s story isn’t how much money he made.

It’s this:

When your first business is already successful, do you still have the courage to look for your next growth opportunity?

Many business owners choose to protect what they already have.

Great entrepreneurs are already asking:

What’s my next move?

I’m Max Ma.

See you in the next video.

09/08/2026

Anda boleh sokong PDD, tetapi kita juga tak boleh anggap harga murah langsung tak membawa apa-apa kesan.

Sebagai pengguna, barang lebih murah memang bagus.

Tapi kalau satu hari nanti kita berjimat RM20, RM50 atau RM100,
tetapi dalam masa yang sama:

semakin banyak bisnes tempatan tutup,
SME semakin susah bertahan,
syarikat mula kurangkan pekerja,
dan peluang pekerjaan semakin berkurang…

Adakah kita benar-benar untung?

Saya bukan anti-PDD.
Saya juga bukan nak halang orang beli barang murah.

E-commerce memang satu trend dan teknologi akan terus berkembang.

Persoalan yang lebih penting ialah:

Bagaimana kita boleh menikmati harga yang lebih murah,
tetapi pada masa yang sama masih memberi ruang kepada SME tempatan untuk bertahan dan menyediakan peluang pekerjaan kepada rakyat Malaysia?

Sebab kesannya bukan kepada tauke sahaja.

Hari ini mungkin importer.
Esok wholesaler dan retailer.
Selepas itu mungkin logistics, advertising, renovation, F&B dan banyak lagi.

Akhirnya, pekerja biasa juga mungkin terkena tempiasnya.

Barang murah memang bagus.

Tetapi kalau RM50 yang kita jimat hari ini,
akhirnya dibayar dengan semakin kurang peluang pekerjaan pada masa depan…

Adakah ia masih berbaloi?

Apa pendapat anda? Jom bincang secara matang. 👇

02/08/2026

🇲🇾 Siri Kebanggaan Malaysia | Bank Tolak Pinjaman Mereka, Tetapi Mereka Berjaya Membina Jenama Bertaraf Dunia ❤️

Bank menolak permohonan pinjaman mereka.

Tiada pelabur.

Tiada keluarga yang kaya.

Hanya sepasang suami isteri dari Johor Bahru yang menggunakan simpanan sendiri dan meminjam daripada ahli keluarga serta rakan-rakan sehingga berjaya mengumpul RM120,000.

Pada tahun 1981, mereka membuka sebuah restoran makanan segera yang kecil.

Siapa sangka…

Hari ini jenama itu mempunyai hampir 500 cawangan di seluruh dunia dan menjadi salah satu rangkaian restoran makanan segera halal terbesar di dunia.

Jenama itu ialah Marrybrown. 🍗🇲🇾

Ketika kebanyakan jenama antarabangsa hanya menjual burger dan kentang goreng, mereka memilih jalan yang berbeza.

Mereka memperkenalkan nasi lemak, mee kari, bubur ayam dan pelbagai makanan tempatan ke dalam restoran makanan segera.

Mereka juga pernah melalui Krisis Kewangan Asia 1997 dan Krisis Kewangan Global 2008.

Namun mereka tidak pernah berputus asa.

Kerana mereka percaya…

Kejayaan bukan tentang mendapat kad yang terbaik, tetapi tentang bermain sebaik mungkin dengan kad yang kita miliki.

Kisah Marrybrown bukan sekadar kisah sebuah restoran.

Ia adalah kisah keberanian, ketabahan dan impian rakyat Malaysia.

Semoga kisah ini memberi inspirasi kepada semua usahawan yang sedang berjuang hari ini. ❤️

👇 Apa menu kegemaran anda di Marrybrown?

🍗 Ayam Goreng

🍛 Nasi Lemak

🍜 Mee Kari

🥣 Bubur Ayam

Kongsikan jawapan anda di ruangan komen!

🤝 Strategic MoU Signing: Expanding Financing Access for Malaysian BusinessesWe are pleased to announce the signing of a ...
28/07/2026

🤝 Strategic MoU Signing: Expanding Financing Access for Malaysian Businesses

We are pleased to announce the signing of a Memorandum of Understanding between PAM BIZ Sdn. Bhd. (Registration No. 1407546-V), also known as PAMBIZ Financial, and Abundance Treasures BGroups Sdn. Bhd. (Registration No. 1471731-K), a subsidiary of Valuevest Ventures Sdn. Bhd. (Registration No. 1344730-P), operating under the brand name Abundance Dynamic Securities (ADS).

ADS is a regulated peer-to-peer (P2P) financing operator and a Recognised Market Operator registered with the Securities Commission Malaysia. It specialises in asset-backed and guarantee-supported financing solutions for established and growing businesses, particularly Mid-Tier Companies (MTCs).

Its financing solutions primarily serve SSM-registered businesses and MTCs with annual revenue exceeding RM20 million. Through structured asset-backed financing, ADS aims to provide eligible businesses with an efficient financing process and competitive funding solutions.

The MoU was signed on behalf of PAMBIZ Financial by its Founder and CEO, Patrick Lee B, witnessed by Sales Director Rebecca Cheang. Marketing Director and Co-Founder Max Ma was also present at the ceremony.

This strategic collaboration marks another important milestone for PAMBIZ Financial as we continue strengthening our financing network and broadening the range of funding solutions available to Malaysian businesses.

Through this partnership, PAMBIZ Financial and ADS will work together to connect eligible businesses with suitable P2P financing solutions—particularly established companies seeking structured, asset-backed funding for working capital, business expansion and sustainable growth.

We sincerely appreciate the ADS management team for their confidence and collaboration. We look forward to building a strong and mutually beneficial partnership that creates meaningful value for Malaysia’s business community.

Professional | Accountability | Mutual Trust

20/07/2026

Tahukah anda?

Setiap hari mungkin anda sedang menyokong perniagaan orang yang sama.

☕ Minum Starbucks

🏪 Singgah 7-Eleven

🎫 Beli tiket Sports Toto

Semua ini berkait rapat dengan seorang tokoh perniagaan Malaysia — Tan Sri Vincent Tan.

Namun beliau bukan dilahirkan dalam keluarga kaya.

Beliau hanyalah anak kepada seorang pemandu lori.

Pernah bekerja sebagai kerani bank,

dan sanggup menulis surat selama 7 tahun demi mendapatkan francais McDonald’s di Malaysia.

Daripada seorang pekerja biasa,

beliau membina sebuah empayar perniagaan,

mengharungi krisis kewangan,

jatuh,

dan bangkit semula.

Kisah beliau membuktikan bahawa kejayaan bukan bergantung kepada nasib, tetapi kepada keberanian dan ketabahan.

Kalau anda berada di tempat beliau, sanggupkah anda mengejar impian selama 7 tahun?

Kongsikan pendapat anda di ruangan komen!

@

17/07/2026

Many business owners believe that as long as their sales are strong, getting a bank loan should be easy.

Unfortunately, that’s not always the case.

Banks don’t only look at sales.

They also look at:

✅ Cashflow Stability

✅ Bank Statement Performance

✅ CCRIS Repayment Record

✅ Consistent Business Transactions

In many cases, sales may look impressive.

But the company’s ending balance tells a very different story.

To a bank, a low ending balance may indicate that the business has little cash buffer and limited repayment capacity.

📌 Sales show activity.

📌 Cashflow shows strength.

📌 Ending Balance shows financial discipline.

⸻

Let me share a real case.

Last month, I met a client from the construction industry.

Compared to others in the same industry, the business was relatively stable and performing well.

Monthly sales ranged between RM300,000 and RM500,000.

At first glance, everything looked good.

However, after reviewing the company’s bank statements, I noticed that the ending balances were extremely low.

Almost every month, most of the money coming in was fully utilized.

As a result, even if the bank approved the financing, the approved amount would likely be much lower than what the client actually needed.

My advice was simple:

Don’t rush the application.

Let’s first strengthen the company’s cashflow position and build healthier ending balances over the next few months.

After implementing the plan and allowing some time for improvement, we reapplied.

The result?

✅ Financing approved successfully with a much more satisfactory amount.

Sometimes, the bank is not unwilling to lend.

It’s just that your financial position may not yet be presented in the strongest possible way.

💬 Want to know your company’s financing readiness and approval potential?

Comment “SME” below.

We’ll be happy to provide a complimentary preliminary assessment.

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Tuesday 09:00 - 17:00
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