For the founder of Jkaelyn Felicita Solutions, accounting has always been more than a profession, it has been a lifelong calling. Established in 2017, her firm provides outsourced accounting, tax submission, and payroll services to SMEs across Malaysia. Many of her clients do not have in-house accounting teams, so she steps in as their financial backbone, managing everything from document compilation and tax filings to confidential payroll preparation.

A Journey Driven by Purpose and Flexibility

Her career journey, however, was far from straightforward. After years of building experience in accounting firms, MNCs, and even the banking sector, full-time employment became increasingly difficult to balance once she married and had children. Flexible hours were nearly impossible in traditional corporate roles. Determined to maintain her professional path without compromising her family responsibilities, she chose entrepreneurship, a decision strengthened by Malaysia’s introduction of GST, which boosted demand for credible accounting support.

Growth Challenges Faced by Service-Based Businesses

But like many service-based SMEs, growth came with real challenges. Hiring additional staff meant higher fixed costs. Their office space quickly reached capacity, prompting the rental of an extra room just to store documents. And because many clients delay payments for non-urgent services like accounting and tax, cash flow became an ongoing concern. The founder knew she needed a senior staff member to handle finalization work, freeing her to focus on marketing and business development. But expansion required capital — something traditional banks rarely approve for service businesses with no physical inventory or collateral.
That’s when she turned to FundingBee.

A Financing Partner That Understands Service-Based Businesses

Unlike banks, FundingBee gave me fast approval, simple requirements, and flexible access to capital — exactly what I needed.

Most importantly, it provided the cash-flow support she needed to grow the business without stress.

She first applied for a 12-month microfinance loan and successfully repaid it. Her strong repayment track record later enabled her to secure another round of funding, this time with an 18-month tenure, giving her more room to manage operational needs.

Investing in Stability, Space, and Staff

FundingBee’s financing has been instrumental in supporting her next phase of expansion. The funds have been used to:

• Rent an additional office room for storage and workspace
• Begin hiring senior staff to manage complex finalization tasks
• Plan for a move into a larger dedicated office, which requires a hefty four-month deposit

With manageable monthly installments and terms suited to small service businesses, the repayment process felt within my ability and not stressful at all.

A Psychological Boost
That Translates Into Business Growth

Beyond the numbers, the microfinance loan brought an unexpected but powerful impact: peace of mind.

With stable working capital, her financial anxiety eased. She became more confident in her expansion plans and more motivated to grow revenue while maintaining a healthier closing balance each month. The predictable repayment schedule also strengthened her financial discipline and long-term planning mindset, essential qualities for any expanding SME.