Credit Intelligence Ltd, formerly APAC Coal Limited, is an Australia-based company engaged in the diversified debt restructuring business. The Company is focused on providing the bankruptcy administration services and individual voluntary arrangement (IVA) consultancy and implementation services. It also assists Singaporean small and medium enterprises (SMEs) to access business funding as an alternative source to conventional banking platforms. The Company's subsidiaries include Hong King Debt Management Limited, Hong Kong IVA Consultants Limited, Hong Kong Debt Management Services Limited and ICS Funding Pte. Ltd. (ICS).