Firm A is planning to raise RM10 million to expand its business. Currently, the company has debt ratio of 0.65 as compared to the industry average debt ratio of 0.30. In addition, as the consequences of COVID - 19 pandemic, the Malaysian economy growth is slowing down to 4.5% and the inflation rate increased to 4%. As a financial advisor to the company, recommend the most appropriate financing method that the company can use to raise the new required funds.