The world of business runs on credit.



Whether it’s freelance photographer or a big manufacturer, odds are cash doesn’t land in the bank immediately after making a sale, no you’ve probably offered your customer some credit terms. This can sometimes lead to cash flow issues if you’ve got your own bills to pay.



In response to this, a variety of working capital financing solutions have come about, and one of the newer ones is Zetl - Asia-Pacific’s first financing company for asset-light businesses.



Zetl is headquartered in Hong Kong and was one of 5 companies identified and qualified for support by the Malaysian Research Accelerator for Technology and Innovation (MRANTI) under its MyStartupHub programme.

The world of business runs on credit.Whether it’s freelance photographer or a big manufacturer, odds are cash doesn’t land in the bank immediately after making a sale, no you’ve probably offered your customer some credit terms. This can sometimes lead to cash flow issues if you’ve got your own bills to pay.In response to this, a variety of working capital financing solutions have come about, and one of the newer ones is Zetl - Asia-Pacific’s first financing company for asset-light businesses.Zetl is headquartered in Hong Kong and was one of 5 companies identified and qualified for support by the Malaysian Research Accelerator for Technology and Innovation (MRANTI) under its MyStartupHub programme.

The flagship entrepreneurship show on BFM, featuring personal business stories from early stage start-ups, all the way to billionaire octogenarians in Malaysia and abroad. Notable guests include Martin Cooper (father of the mobile phone), Julian Assange (founder of WikiLeaks), Ralph Henry Baer (father of video games), Tony Buzan (Mindmap Guru), Isaac Tigrett (Hard Rock Cafe founder), Robert Kiyosaki (Financial Guru), Nick Vujicic (motivational speaker) and more. Tap into this valuable resource of shared experiences for the SME industry, which also touches on news, issues and trends affecting the business community and beyond.

Open For Business

Discover fresh concepts, tackle obstacles, and unleash growth - Open For Business is the dynamic show where BFM engages with entrepreneurs, business leaders, and industry trailblazers, igniting inspiration, sparking success, and exploring new business models.

Is Zetl the Answer to Startup and SME Financing?

Transforming a creative passion into a sustainable business requires strict pricing strategies and solid operational systems. Lakhshmi Priya Suppiah, a former interior architect, launched Ministry of Cakes to build a full-time, bootstrapped bakery brand specialising in premium, custom-designed celebration cakes.



Today, the business generates up to RM300,000 in annual revenue and services major corporate clients, navigating the difficult transition from a home-based kitchen to a physical cafe and event space.



Lakhshmi joins us to discuss the financial mechanics of the premium baking industry, the unit economics of highly customised orders, the operational challenges of executing massive corporate catering events, and the strategy required to scale a creative, design-heavy business without relying solely on the founder.

Transforming a creative passion into a sustainable business requires strict pricing strategies and solid operational systems. Lakhshmi Priya Suppiah, a former interior architect, launched Ministry of Cakes to build a full-time, bootstrapped bakery brand specialising in premium, custom-designed celebration cakes.Today, the business generates up to RM300,000 in annual revenue and services major corporate clients, navigating the difficult transition from a home-based kitchen to a physical cafe and event space.Lakhshmi joins us to discuss the financial mechanics of the premium baking industry, the unit economics of highly customised orders, the operational challenges of executing massive corporate catering events, and the strategy required to scale a creative, design-heavy business without relying solely on the founder.

Baking Cakes That Actually Taste As Good As They Look

Founded in 2020, TYMBA Education Group entered the market to address low pass rates and limited access to accounting qualifications outside major cities in Malaysia. Originally operating as a bootstrapped entity, the company has since achieved 55% year-on-year revenue growth and expanded its footprint across five ASEAN countries.



Recently, TYMBA secured a RM10 million investment from VentureTECH to aggressively scale its proprietary digital learning platform, TYMBAFlex, and deepen its regional presence.



CEO Airil Razali returns to Open For Business to share the company's evolution. We discuss the financial mechanics of transitioning from a bootstrapped startup to an institutionally funded EdTech group, the operational challenge of maintaining ACCA Platinum standards across borders, and whether TYMBA has successfully moved the needle on local demographic representation in the accounting sector since his last interview.

Founded in 2020, TYMBA Education Group entered the market to address low pass rates and limited access to accounting qualifications outside major cities in Malaysia. Originally operating as a bootstrapped entity, the company has since achieved 55% year-on-year revenue growth and expanded its footprint across five ASEAN countries.Recently, TYMBA secured a RM10 million investment from VentureTECH to aggressively scale its proprietary digital learning platform, TYMBAFlex, and deepen its regional presence.CEO Airil Razali returns to Open For Business to share the company's evolution. We discuss the financial mechanics of transitioning from a bootstrapped startup to an institutionally funded EdTech group, the operational challenge of maintaining ACCA Platinum standards across borders, and whether TYMBA has successfully moved the needle on local demographic representation in the accounting sector since his last interview.

Why Investors Just Put RM10M Into This Malaysian Accounting School

The Ministry of Education recently updated its guidelines to allow optional Standard 1 enrolment for six-year-olds. While this policy provides families with flexibility, it has sparked anxiety among parents trying to assess if their child is genuinely prepared for a structured primary school environment.



Recognising this immediate market uncertainty, Smart Reader Kids has launched a School Readiness Check and tailored preparation programmes to bridge the gap between preschool and Standard 1. 



But beyond classroom curriculums, Smart Reader Worldwide operates a highly lucrative, multi-million ringgit franchise ecosystem. Executive Director of Smart Reader Kids, Keefe Ong joins us to discuss the definition of school readiness, the financial mechanics of their franchise model, the strategy behind bootstrapped regional expansion into Cambodia and Australia, and the operational challenge of maintaining strict quality control across a massive international network.

The Ministry of Education recently updated its guidelines to allow optional Standard 1 enrolment for six-year-olds. While this policy provides families with flexibility, it has sparked anxiety among parents trying to assess if their child is genuinely prepared for a structured primary school environment.Recognising this immediate market uncertainty, Smart Reader Kids has launched a School Readiness Check and tailored preparation programmes to bridge the gap between preschool and Standard 1.&nbsp;But beyond classroom curriculums, Smart Reader Worldwide operates a highly lucrative, multi-million ringgit franchise ecosystem. Executive Director of Smart Reader Kids, Keefe Ong joins us to discuss the definition of school readiness, the financial mechanics of their franchise model, the strategy behind bootstrapped regional expansion into Cambodia and Australia, and the operational challenge of maintaining strict quality control across a massive international network.

Is Zetl the Answer to Startup and SME Financing?

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