Medium Risk 7
This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.
Bolden Industrial Solutions, Services,
RM 100,000 for 18 month term. RM 100,000 funded
Is this a Shariah-compliant Investment Note? / Adakah ianya Nota Pelaburan patuh Syariah?
Yes/Ya
Who is the Issuer and what does the business do? / Siapakah Penerbit dan apakah perniagaan diceburi mereka?
Bolden's is a powder coating service company with a 15,000 sqft factory and a 6,000 sqft product line, located in the northern region of Penang. Our team of experienced professionals specializes in coating and producing high-quality parts from various base metals like aluminium, zinc plate, steel, mild steel, and galvanized iron.
Our factory features semi-auto and manual powder coating facilities, curing ovens, and spray booths equipped with semi-automatic Nordson spray guns from the USA. We provide high-quality work at an affordable price.
Powder coating is one of the most durable finishes for metals, extending their lifespan. We aim to work effectively with the commercial, industrial, automotive, and architectural industries. As technology advances, we constantly upgrade to keep up with new developments. Our goal is to deliver excellence with prompt, passionate, and high-quality services, ensuring our customers get the most durable, long-lasting, and finely crafted powder coatings.
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Bolden's ialah syarikat perkhidmatan salutan serbuk dengan kilang seluas 15,000 kaki persegi dan rangkaian produk seluas 6,000 kaki persegi, terletak di wilayah utara Pulau Pinang. Pasukan profesional kami yang berpengalaman pakar dalam menyalut dan menghasilkan bahagian berkualiti tinggi daripada pelbagai logam asas seperti aluminium, plat zink, keluli, keluli lembut dan besi tergalvani.
Kilang kami mempunyai kemudahan salutan serbuk separa automatik dan manual, ketuhar pengawetan, dan gerai semburan yang dilengkapi dengan senapang semburan Nordson separa automatik dari Amerika Syarikat. Kami menyediakan kerja berkualiti tinggi pada harga yang berpatutan.
Salutan serbuk adalah salah satu kemasan yang paling tahan lama untuk logam, memanjangkan jangka hayatnya. Kami berhasrat untuk bekerja dengan berkesan dengan industri komersial, perindustrian, automotif dan seni bina. Dengan kemajuan teknologi, kami sentiasa menaik taraf untuk mengikuti perkembangan baharu. Matlamat kami adalah untuk menyampaikan kecemerlangan dengan perkhidmatan yang pantas, bersemangat dan berkualiti tinggi, memastikan pelanggan kami mendapat salutan serbuk yang paling tahan lama, tahan lama dan direka halus.
Who is the owner / key person(s) in the business? / Siapakah Pemilik Perniagaan ini?
The director and owner is a dynamic, experienced leader with a deep understanding of the industry and a passion for innovation. He is committed to providing the highest quality powder coating solutions and constantly seeks to improve his company's products and services. With strong communication and leadership skills, he inspires his team to work towards common goals. His strategic thinking and ability to anticipate industry trends keep the company ahead of the competition, earning a reputation for excellence in the powder coating industry.
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Pengarah dan pemilik ialah pemimpin yang dinamik dan berpengalaman dengan pemahaman mendalam tentang industri dan semangat untuk inovasi. Beliau komited untuk menyediakan penyelesaian salutan serbuk berkualiti tinggi dan sentiasa berusaha untuk menambah baik produk dan perkhidmatan syarikatnya. Dengan kemahiran komunikasi dan kepimpinan yang kukuh, beliau memberi inspirasi kepada pasukannya untuk berusaha ke arah matlamat bersama. Pemikiran strategik dan keupayaannya untuk menjangka aliran industri memastikan syarikat itu mendahului persaingan, memperoleh reputasi untuk kecemerlangan dalam industri salutan serbuk.
What are their future plans? / Apakah pelan masa depan mereka?
Our vision is to be the number one powder coating solutions provider in the nation and to be a first-class powder coating service provider one world expect from a truly professional brand, combining quality excellence with unyielding professionalism.
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Visi kami adalah untuk menjadi penyedia penyelesaian salutan serbuk nombor satu di negara ini dan menjadi penyedia perkhidmatan salutan serbuk kelas pertama yang diharapkan daripada jenama yang benar-benar profesional, menggabungkan kecemerlangan kualiti dengan profesionalisme yang tidak mudah putus asa.
What has been their annual sales turnover?/ Bagaimanakah hasil jualan tahunan?
YTD-2023 total revenue: RM1.903 mil and profit before tax: RM 0.719 mil
2022 total revenue: RM 3.613 mil and profit before tax: RM 0.275 mil
2021 total revenue: RM 2.202 mil and profit before tax: RM 0.333 mil
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Jumlah hasil YTD-2023: RM1.903 juta dan keuntungan sebelum cukai: RM 0.719 juta
Jumlah hasil 2022: RM 3.613 juta dan keuntungan sebelum cukai: RM 0.275 juta
Jumlah hasil 2021: RM 2.202 juta dan keuntungan sebelum cukai: RM 0.333 juta
Number of years in business? / Usia perniagaan?
The business started in 2016 until now which is currently in its 8th year in the industry.
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Perniagaan ini bermula pada tahun 2016 sehingga kini yang kini memasuki tahun ke-8 dalam industri.
How would the Issuer utilise the funds raised on the platform? / Apakah yang kami akan lakukan dengan wang yang dikumpul di platfrom ini?
We plan to utilize the funds provided to expand the business and meet the high demands of our customers.
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Kami merancang untuk menggunakan dana yang disediakan untuk mengembangkan perniagaan dan memenuhi permintaan tinggi pelanggan kami
The rationale behind the Issuer's Credit Risk Score - microLEAP's Comments / Rasional Skor Risiko Kredit bagi Penerbit– Komen microLEAP
Please download the Factsheet in this Investment Note for more information.
This is the 1st Financing Investment Note hosted by the Issuer on microLEAP's Platform.
The Issuer has other borrowings from other lenders but has sufficient revenue to manage its payment of RM6,763.89 a month to microLEAP with a good payment record with other lenders.
As rated by Experian, the Issuer's Company i-score is rated as 9 (Strong) with a Probability of Default (PD) of >1%-1.5%. The Guarantor is rated as 7 (Good) with a PD of >2.5%-5% and the 2nd Guarantor is rated 6 (Fair) with a PD of >5%-10%.
This Investment Note has an MR7 (Medium Risk 7) rating so it has a Lower Medium Credit Quality and an Upper Medium Risk of Default.
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Sila muat turun Lembaran Fakta dalam Nota Pelaburan ini untuk maklumat lebih lanjut.
Ini ialah Nota Pelaburan Pembiayaan pertama yang dihoskan oleh Penerbit pada platform microLEAP.
Menurut penilaian Experian, i-skor syarikat Penerbit dinilai sebagai 9 (Kuat) dengan Kebarangkalian Lalai (PD) >1%-1.5%. Penjamin dinilai sebagai 7 (Baik) dengan PD >2.5%-5% dan Penjamin Kedua dinilai sebagai 6 (Sederhana) dengan PD >5%-10%.
Nota Pelaburan ini mempunyai penarafan MR7 (Risiko Sederhana 7). Oleh itu, ia mempunyai Kualiti Kredit yang Sederhana Rendah dan Risiko Lalai yang Sederhana Atas.
This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.
This Investment Note pays the lowest Interest Rate and has the lowest Risk of Default.
It has the strongest Credit Quality due to very high cashflow and very low Debt Service Ratio.
This Investment Note pays a lower Interest Rate and has a lower Risk of Default.
It has a stronger Credit Quality due to high cashflow and low Debt Service Ratio.
This Investment Note pays a low Interest Rate and has a low Risk of Default.
It has a strong Credit Quality due to good cashflow and good Debt Service Ratio.
This Investment Note pays a medium-low Interest Rate and has a medium-low Risk of Default.
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This Investment Note pays a medium Interest Rate and has a medium Risk of Default.
It has a medium Credit Quality due to average cashflow and average Debt Service Ratio.
This Investment Note pays a medium-high Interest Rate and has a medium-high Risk of Default.
It has a medium-weak Credit Quality due to below average cashflow and above average Debt Service Ratio.
This Investment Note pays an upper-medium Interest Rate and has an upper-medium Risk of Default.
It has a lower-medium Credit Quality due to average to low cashflow and average to high Debt Service Ratio.
This Investment Note pays a high Interest Rate and has a high Risk of Default.
It has a weak Credit Quality due to low cashflow and high Debt Service Ratio.
This Investment Note pays a higher Interest Rate and has a higher Risk of Default.
It has a weaker Credit Quality due to lower cashflow and higher Debt Service Ratio.
This Investment Note pays the highest Interest Rate and has the highest Risk of Default.
It has the weakest Credit Quality due to very low cashflow and very unhealthy Debt Service Ratio.