About Us
At SBH Financial Consultancy is Malaysia’s leading financial consultancy, committed to revolutionising how the financial solution is produced and reshaping the financial landscape.
At the heart of it, we empower individuals and businesses to make smarter financial decisions that grow and future-proof their finances to be more resilient, profitable and sustainable.
Our Vision
To establish or revive business financial stability and inspire young future leaders with financial literacy.
Our Mission
Be a trusted financial partner that lifts every business in any situation to a healthier financial status and builds stronger cornerstones through financial education to withstand the ever-changing economy.
Company Overview
Sam Tsen founded SBH Financial Consultancy to help individuals resolve their financial and banking challenges. The business has helped over 30,000 clients to succeed in their banking profiles and financial management. The business has also reached out to almost 5 million individuals all over the nation through consultation, seminars, webinars and workshops.
It became evident that the company was well received by the Malaysian business communities following the expansion of the HQ in Jalan Ampang, the financial district located in the heart of the city. As the first financial consultancy to provide a VIP lounge for our existing clients, this company has also set foot in other states such as Johor and Penang.
Over the years, SBH Financial Consultancy was awarded and nominated the following:

2020 JCI Malaysia Sustainable Development Award by Financial Literacy of Malaysia

2020 Anugerah Firma Professional Terbaik 2020 by Niagatimes

Nominated as finalist for SOBA's Corporate Social Responsibility (CSR) award

JCI CYEA Malaysia Creative Young Entrepreneur Award Top 10 Finalist 2023

SME Young Entrepreneur Award 2023

SME Brand Excellence Award 2023
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SBH Financial Consultancy partners with CTOS Data Systems Sdn. Bhd.
The key objectives of the partnership are:
• To raise awareness of CTOS as a valuable tool for evaluating the creditworthiness of MalaysiansÂ
• To help individuals understand their financial status
• To promote financial literacy among all Malaysians
SBH Financial Consultancy and CTOS are committed to working together towards these objectives, and the partnership is expected to bring significant benefits to Malaysians. SBH Financial Consultancy will provide financial consultation to help individuals and companies manage their finances, while CTOS will provide credit scoring reports.Â
What Makes Us Different?
At SBH Financial Consultancy, we know how important it is for Business Owners and Individuals to have a good understanding of finances in order to take care of their money and keep a good credit score.

Customer Experience

Highly Personalized Services

Collaborative Learning

Default to Transparency

Act as Financial Educator

Banking Facilities Advisory
Our Services
No matter what your financial challenges are, we will help you to overcome them!
What Our Clients Says
Posted on Google![]()
HusneeTrustindex verifies that the original source of the review is Google.
I recently had the pleasure of working with Natalie, SK and Eing from SBH Financial Consultancy which I found through CTOS Credit Founder. Reliable and thrustworthy financial consultancy firm. Very professional and teaching me so many financial knowledge and most importantly be able to solve related matters. Thank you to all from SBH Financial Consultancy. Highly recommended!Posted on Google![]()
lim clTrustindex verifies that the original source of the review is Google.
SBH financial 真的是特别棒éžå¸¸ä¸“业的financial consultancy ,帮我解决了我家人庞大的医è¯è´¹! 在这里诚心感谢SBH consultant AU YONG å’ŒDarrenï¼Œä½ ä»¬çœŸçš„éžå¸¸ä¸“业称èŒï¼Œå¿«ï¼Œç‹ ,准ï¼ï¼å ¶å®žæˆ‘是mco 就接触到SBH, ä½†æ˜¯å½“æ—¶å°±åªæ˜¯è¯¢é—®æœ‰äº›loan问题。过åŽï¼Œå†æœºç¼˜å·§åˆä¸‹è®¤è¯†äº†AuYong, 他是一ä½å¾ˆç¤¼è²Œæœ‰è€å¿ƒçš„人,信æ¯éƒ½æ˜¯å¾ˆå¿«å°±å›žå¤ã€‚基本上我的æ¯ä¸ªé—®é¢˜ä»–éƒ½æœ‰é—®å¿ ç”,试问看有哪个consultant ä¼šç §é¡¾å›žå¤å®¢äººé—®é¢˜é•¿è¾¾2年的。他的回ç”都是很ä¸è‚¯ä¸“业的,真的让我å°è±¡æ·±åˆ»ï¼æ—©å‡ 个月å‰ï¼Œæˆ‘家人çªç„¶ç”Ÿç— 需è¦ä¸€ç¬”蛮大数目的医è¯è´¹ã€‚我第一个想到的就是AuYong,我给他打了电è¯è¯¦ç»†çš„告诉他我的问题和需è¦é‚£äº›å¸®åŠ©å¸®åŠ©è®©æˆ‘åº¦è¿‡éš¾å ³ã€‚æˆ‘å‘Šè¯‰ä»–ï¼Œè¿™ä¸ªæ˜¯æ•‘å‘½é’±ï¼Œå¸Œæœ›ä»–å’ŒSBHå¯ä»¥å¸®åŠ©å€Ÿè´·åˆ°è¿™ç¬”åŒ»è¯è´¹ï¼ä»–å¬äº†ï¼Œé©¬ä¸Šå°±å‘æˆ‘æ‹¿äº†ç›¸å ³çš„æ–‡ä»¶åœ¨æœ€çŸæ—¶é—´å† 给了我专业adviseå’Œbank offers。他也éžå¸¸å°½å¿ƒå°½åŠ›ååŠ©æˆ‘ï¼Œå®‰æŠšæˆ‘çš„æƒ ç»ªï¼Œè¿™ä¸ªè®©æˆ‘çœŸçš„éžå¸¸æ„ŸåŠ¨ã€‚è¿˜è®°å¾—ï¼Œå½“æ—¶ç¬¬ä¸€æ¬¡è§Au Yong, 应该是说在电è¯é‡Œè°ˆäº†æ— 数次,è§é¢è¿˜æ˜¯å¤´ä¸€å›žå‘¢ã€‚é‚£ç§æ„Ÿè§‰å¾ˆäº²åˆ‡ï¼Œæ„Ÿè§‰å°±æ˜¯ä»–了,他应该å¯ä»¥å¸®åˆ°æˆ‘ï¼åä¸‹è¯¦è°ˆï¼Œä»–ç»™äº†æˆ‘å¸Œæœ›ä¹Ÿç»™äº†å‡ ä¸ªä¸“ä¸šæ–¹æ¡ˆï¼Œè®©æˆ‘å’Œå ˆç”Ÿéƒ½æœ‰äº†ä¿¡å¿ƒã€‚ä¸€åˆ‡å‡†å¤‡å°±ç»ï¼Œä»–也帮我æˆäº¤bank loan. åœ¨æœ€çŸæ—¶é—´å† ,真的如愿一切都是真的如他proposed çš„æ–¹æ¡ˆä¸€æ ·ï¼Œå¾—åˆ°æˆ‘è¦çš„æ•°ç›®, 利æ¯çœŸçš„很åˆç†ã€‚终于有这笔救命钱了ï¼ï¼è¿˜è®°å¾—ç‰å¾ loan results çš„é‚£ä¸ªæ˜ŸæœŸï¼Œæˆ‘å’Œå ˆç”Ÿéƒ½å¿å¿‘ä¸å®šï¼Œæ€•æœ‰ä»€ä¹ˆæ•£å¤±ï¼æ‰€ä»¥å½“一看到group chat loan approved, æˆ‘çœŸçš„çœ¼æ³ªéƒ½è¦æµå‡ºæ¥ï¼æˆ‘马上WhatsApp AuYongï¼ŒçœŸçš„å¾ˆæ„Ÿæ©æ„ŸåЍï¼ä½ å’ŒDarren 真的好棒ï¼ï¼Au Yong 也马上给我打了电è¯ï¼Œæˆ‘们2个都很激动,声音都是颤抖的,我的眼泪一直æµï¼æ£å¦‚他说的,我们在对的时间点åšäº†å¯¹çš„äº‹æƒ ï¼Œä¸€èµ·å¦‚æ„¿ä»¥å¿ï¼éžå¸¸æ„Ÿè°¢Auyongå’ŒDarrenï¼Œæˆ‘çŸ¥é“æˆ‘çš„case è®©ä»–ä»¬å¾ˆæœ‰åŽ‹åŠ›ã€‚ä½ ä»¬çœŸçš„ç‰¹åˆ«æ£’ï¼æˆ‘们真的感æ©ï¼Œæ„Ÿè°¢ä½ 们的帮忙ï¼SBHconsultancy çš„è€æ¿ï¼Œæ‚¨çœŸçš„培育了很好专业的consultants, ä¸€çº§æ£’åŠ æ²¹å•Šï¼æ„Ÿè°¢ä½ ä»¬ï¼Œçˆ±ä½ ä»¬å™¢ï¼ï¼å¥½çš„东西真的è¦åˆ†äº«ï¼Œæœ‰financial or loan é—®é¢˜è®°å¾—è¦æ‰¾SBH Au Yong!! 他一定å¯ä»¥ç»™ä½ 最好专业的advise!Posted on Google![]()
Zul HilmiTrustindex verifies that the original source of the review is Google.
Very detail and great consultation that can help you review and manage your financial. Chris & CTOS CREDIT FINDER.Posted on Google![]()
Rozahalini RozlanTrustindex verifies that the original source of the review is Google.
Very kind and soft spoken staff. Thanks to SK and CTOS CREDIT FINDER help me a lot to understand about my financial problem and good explanation about the process.Posted on Google![]()
anbumalar narayananTrustindex verifies that the original source of the review is Google.
SK and CTOS CREDIT. Perkhidmatan amat memuaskan. Pegawai telah member I penerangan yang jelas Dan ianya sangat berguna kepada saya. Terima kasih.Posted on Google![]()
Muhammad AfiqTrustindex verifies that the original source of the review is Google.
Berurusan dengan en sk dan ctos credit finder untuk membantu tentang masalah kewangan saya.. pendapat Dan bantuan Dari pihak mereka dpt membantu saya untuk memyelesaikan masalah saya.. terima kasihPosted on Google![]()
Lim Heng YongTrustindex verifies that the original source of the review is Google.
Very Good service, recommended. Thank you SBH FINANCIAL CONSULTANCY especially to Mr Anson for cheering up my life.Posted on Google![]()
GANESH KUMAR09Trustindex verifies that the original source of the review is Google.
Mr .CHRIS and CTOS CREDIT FINDER very helpful service teaching me so many financial knowledge highly recommendedPosted on Google![]()
Mohd Hafizi5825Trustindex verifies that the original source of the review is Google.
MANY THANKS TO SK FOR SERVICES AND HELPING ME TO UNDER STAND THE PLAN TO USE.KIND STAFF WITH GOOD AND SOFT SPOKEN.EXPLAIN UNTIL ME UNDERSTAND THE PROCESS AND PROCEDURE. THANKS TO SK & CTOS CREDIT FINDERPosted on Google![]()
sitinorarbaaiyah 00Trustindex verifies that the original source of the review is Google.
SK & CTOS CREDIT FINDER SAYA SUKA DENGAN LAYANAN MESRA DAN PENERANGAN YANG DIBERIKAN .. Terima Kasih sebab bantu saya ..





