Malaysia External Trade Development Corporation

1. Letter of Credit, Guarantees,
2. Documentary Collections,
3. Supplier Credit or Supplier Financing,
4. Trust Receipts,
5. Export Credit Refinancing,
6. Vendor Financing

1. Audited accounts (6 months/ 3 years)
2. company registration,
3. purchase or export order, invoice,
4. transport documents or any other trade related documents

• Stamp duties,
• Legal fees,
• brokerage fee (Islamic only)

• https://www.exim.com.my/products-services/trade-finance
• https://www.matrade.gov.my/en/export-to-the-world/25-malaysian-exporters/services-for-exporters/646-trade-financing

1. SMEs including Large Enterprise with 51% or more   of the equity held by Bumiputera.
2. Shariah-compliant business.
3. Product or services are having presence regionally or export-ready for regional market.
4. Minimum of two (2) years in operations.
5. Minimum 5% annual revenue growth and profitable for the last two (2) years of operation (except for the financial year ended 2020 and 2021, which are adversely affected by the COVID-19 pandemic period/ Movement Control Order).

1. At least 60% Bumiputera owned Sdn Bhd company and management controlled company
2. Minimum 3 years in business (evidenced by audited accounts)
3. NOT a subsidiary of Public Listed Company (PLC), Multi-National Company (MNC), Government/ State Linked Company (G/SLC) or company under Menteri Kewangan DiPerbadankan (MKD)
4. Good financial standing
5. Open to all industries and sectors which applicable

1. Copy of identity card for all directors/shareholders/partners/owners/ guarantors.
2. Copy of valid business registration.
3. Certified secretarial document.
4. Audited accounts or recent management accounts.
5. Bank account statement for the last 6 months.
6. Business plan.
7. Other relevant documents required by the Bank

1. Company profile
2. Audited Financial statement (last 3 years)
3. Copy of Form 9 (certificate of Registration)/ Form 13 (Certificate of Incorporation on Change of Name of Company)
4. Copy of latest Corporate Information obtained from Companies Commission Malaysia (CCM)
5. Export Business Plan
6. Export Revenue Statement (last 3 years)

1. Evaluation by secretariat
2. Export Readiness Assessment by SME Bank and/or, MATRADE and KUSKOP
3. Presented for deliberation in BEP Project Working Committee (PWC) Meeting
4. Presented for approval in BEP Project Steering Committee (PSC) Meeting

• https://www.smebank.com.my/en/financing/products/commodity-murabahah-term-financing-i-cmtf-i
• https://www.smebank.com.my/en/financing/products/ijarah-thummal-bai-financing-itbf-I

1. Bank Guarantee,
2. Letter of Credit,
3. Shipping Guarantee,
4. Trade Working Capital Financing Purchase
5. Trade Working Capital Financing Sales

1. Financial Statement,
2. 3 years Audited Account, Company's profile and other documents required by the Bank

Disbursement documents

1. TWCF: Invoice, transport documents, Bank's statement (reimbursement) and other supporting documents required by the Bank.
2. LC : Proforma Invoice, Insurance (whenever applicable) and any supporting documents required by the Bank.
3. BG: Sales contract or any other documents required by the Bank

Disbursement charges:

• LC: 0.1% per month with minimum RM50.00
• BG: 1.25% per annum with minimum of RM 50.00
• Stamp Duty RM10.00
• Rentas: RM5.00 per transaction

• https://www.agrobank.com.my/products-services/trade-finance/

1. Letter of Credit
2. Trust Receipt
3. Credit Bills Negotiation
4. Outward Bills Purchased
5. Letter of Credit Advising
6. Inward/Outward Bills for Collection
7. Invoice Financing
8. Bankers’ Acceptance
9. Foreign Currency Trade Loan
10. Bank Guarantee
11. Standby Letter of Credit
12. Shipping Guarantee
13. Supply Chain Finance

1. Incorporated under Business Act/Companies Act/Limited Liability Partnership Act/respective authorities for Sabah and Sarawak/respective statutory bodies for professional services providers
2. More than 50% of turnover are export business
3. Collateral: Guarantee by Credit Guarantee Corporation/Syarikat Jaminan Pembiayaan Perniagaan Berhad/fixed deposit/property
4. Other criteria which AmBank (M) Berhad may impose from time to time

1. Certified true copy of the company’s latest M&A, Annual return, Form 24 and Form 49 or the relevant constitution documents.
2. Certified true copy of the company’s latest 2 years audited financial statements and latest management account.
3. Certified true copy of the directors/ guarantors’ NRIC and Borang BE for the past 2 years.
4. Debtor and Creditor Aging, if any;
5. List of on-going projects and tendered projects with details such as Project Description, Awarder, Amount, Project Duration and Commencement Date, if any;
6. Projected Cash Flow;
7. CCRIS Consent Letter
8. Any other document which AmBank (M) Berhad may require on case to case basis

1. Facility agreement as per Stamp Act 1949
2. Other Fees and Charge as per AmBank (M) Berhad's Standard Trade Tariff at the link below

• https://www.ambankgroup.com/eng/Business/TransactionBanking/Tariffs/Pages/TradeFinance.aspx

1. Letter of Credit-i
2. Trust Receipt-i
3. Credit Bills Negotiation-i
4. Outward Bills Purchased-i
5. Letter of Credit Advising-i
6. Inward/Outward Bills for Collection-i
7. Invoice Financing-i
8. Accepted Bills-i
9. Foreign Currency Trade Financing-i
10. Bank Guarantee-i
11. Standby Letter of Credit-i
12. Shipping Guarantee-i

1. Incorporated under Business Act/Companies Act/Limited Liability Partnership Act/respective authorities for Sabah and Sarawak/respective statutory bodies for professional services providers
2. More than 50% of turnover are export business
3. Collateral: Guarantee by Credit Guarantee Corporation/Syarikat Jaminan Pembiayaan Perniagaan Berhad/fixed deposit/property
4. Financing is of Shariah-compliant activities acceptable to AmBank Islamic Berhad
5. Other criteria which AmBank Islamic Berhad may impose from time to time

1. Certified true copy of the company’s latest M&A, Annual return, Form 24 and Form 49 or the relevant constitution documents.
2. Certified true copy of the company’s latest 2 years audited financial statements and latest management account;
3. Certified true copy of the directors/ guarantors’ NRIC and Borang BE for the past 2 years;
4. Debtor and Creditor Aging, if any;
5. List of on-going projects and tendered projects with details such as Project Description, Awarder, Amount, Project Duration and Commencement Date, if any;
6. Projected Cash Flow; and
7. CCRIS Consent Letter
8. Any other document which AmBank Islamic Berhad may require on case to case basis

1. Facility agreement as per Stamp Act 1949
2. Other Fees and Charge as per AmBank Islamic Berhad's Standard Trade Tariff at the link below:-

• https://www.ambankgroup.com/eng/islamic/IslamicBanking/ProductsServices/BusinessInstitutional/TradeServices/Documents/AmBITradeTarifTable.pdf

1. Letter of Credit-i,
2. Trust Receipt-i,
3. Accepted Bills-i,
4. Bank Guarantee-i

1. Sole-Proprietor / Partnership / Private Limited Company
2. Business in operation for at least 3 years
3. Minimum 2 years relationship with Maybank or minimum 3 years with other Financial Institutions

1. Certified photocopies of:
   • Memorandum & Article of Association
   • Business Registration
   • Form D
   • Form 9
   • Form24 & 49
2. Company and Holding Company profile, Particulars of Directors / Main Shareholders and a photocopy of each Director's NRIC
3. Certified photocopies of the last 3 years of Audited Financial Accounts and latest Management Accounts, and the last 6 months of Bank Statements from other banks.

1. Trust Receipt-i: BFR + 0% to 2.00% p.a.
2. Accepted Bills-i (AB-i): ABi COF + 0.75% to 1.00% p.a.

1. Stamp duties: as per Stamp Duty Act
2. Trading Fees: RM15 per every RM1.0mil, in respect of Commodity Murabahah transaction
3. Documentation fee: maximum of RM5,000 for in-house financing documentation
4. Other actual cost & expenses e.g. legal fees etc.

• https://www.maybank.com/iwov-resources/pdf/business/financing/pds_bizplusi_en.pdf

1. Letter of Credit
2. Bankers Acceptance
3. Invoice Financing,
4. Import Loan
5. Bank Guarantee,
6. Shipping Guarantee

1. Locally incorporated
2. Minimum 3 years of business operations (For partly secured facilities)
3. At least 51% shareholding are Malaysian owned

1. Audited Accounts
2. Latest 6 months bank statements
3. Company Constitution Documents

1. COF + % (as low as 1.25%)

• https://www.sc.com/my/business-banking/loans-and-working-capital/working-capital/

1. Outward Bills for Collection
2. Inward Documentary Credit
3. Without Recourse Export Financing
4. Foreign Bills Purchased/ Discounted
5. Multi-Currency Trade Loan
6. Domestic Bills Purchased/ Discounted
7. Bankers Acceptance
8. Export Credit Refinancing Pre & Post Shipment
9. Accounts Receivable Purchase
10. Bank Guarantee
11. Standby Letter of Credit
12. Quick Guarantee

• https://www.cimb.com.my/en/business/solutions-products/trade-finance/export-trades-cimb.html
• https://www.cimb.com.my/en/business/solutions-products/trade-finance/guarantees-cimb.html

1. Outward Bills for Collection-i
2. Inward Documentary Credit-i
3. Without Recourse Export Financing-i
4. Foreign Bills of Exchange Purchased-i
5. Multi-Currency Trade Financing-i
6. Domestic Bills of Exchange Purchased-i
7. Accepted Bills-i
8. Accounts Receivable Transfer
9. Bank Guarantee-i
10. Standby Letter of Credit-i Quick Guarantee-i

• https://www.cimb.com.my/en/business/solutions-products/trade-finance/export-trades-cimb.html
• https://www.cimb.com.my/en/business/solutions-products/trade-finance/guarantees-cimb.html

1. Bill of Exchange Purchase-Authority to Purchase (BEP/AP)
   Financing against the exporter or domestic seller (borrower)'s bills of exchange and/or document drawn under sight/usance Letter of Credit that acceptable by BOCM.


2. Bill of Exchange Purchase (BEP)
   Financing against the exporter or domestic seller (borrower)'s sight/usance export and/or domestic sales documents under collection that acceptable by BOCM.


3. Export Invoice Financing (EIF)
   MYR/FCY Financing against export and/or domestic sales of goods/services in relation to the exporter or domestic seller (borrower)'s nature of business on open account basis.


4. Bankers Acceptance(BA) - Export/Domestic Sales
   MYR Financing against export and/or domestic sales of goods in relation to the exporter or domestic seller (borrower)'s nature of business on open account basis

1. Bank Guarantees,
2. Supplier Financing,
3. Vendor Financing,
4. Invoice & Export Financing,
5. SBLC Issuance

1. Trade Time Loan (TTL)
2. Onshore Foreign Currency Loan (OSFCL)
3. Bankers Acceptances
4. Trust Receipt (TR) Loan
5. Bank Guarantees
6. Shipping Guarantees
7. Export Letters of Credit
8. Export Collections

1. Letter of Credit
2. Import Collection
3. Export Letter of Credit
4. Export Collection
5. Bank Guarantee
6. Supplier Financing
7. Accounts Receivables Purchase / Promissory Notes Financing

1. Audited Financial Statement
2. Company Constitution Documents
   *Additional documents may be required subject to the Bank's credit assessment

1. Stamp Duties : As per Stamp Duty Act 1949 (Revised 1989)


2. Disbursement Fee : Include fees for registration of charge and Power of Attorney (for property with individual or strata title and for property under master title respectively), land search, bankruptcy search and other related charges.


3. Valuation Fee : Payable on professional valuation done on properties charged to the bank

1. Advising of Export L/C
   Facilitating the advising of a Letter of Credit issued in your favour by its correspondent banks (Letter of Credit Issuing Bank), located locally or abroad.  The Bank acts as an intermediary i.e. Advising Bank, whose primary role is to authenticate the said Letter of Credit upon receipt from their correspondent bank prior to advising the instrument to you, without any further engagement on its part.


2. Export LC Discounting
   Supplier gets paid early based on L/C and acceptance from Issuing Bank


3. Outward Export Documentary Collections (DA/DP)
   - A transaction whereby the exporter entrusts the collection of payment to the exporter's bank (remitting bank), which sends documents to the importer's bank (collecting bank), along with instructions for payment.


4. Negotiation of Export Bills without LC
   Prefinance of financial documents (for example an invoice) under usual reserve which are due in the future. Discounting is with recourse: if the bank is not able to recover the funds at maturity, banks client (beneficiary) will be debited again.


5. Bank Guarantee (BG)
   A definite undertaking by the bank (guarantor) to pay the beneficiary a certain sum of money within a specified period if the applicant (principal) fails to fulfill his contractual or other obligations of an underlying transaction.


6. Account Receivable Purchase Scheme (APRS)
   whereby MUFG Bank purchase trade receivables at a discount from our customer (the "Seller"), on a non recourse basis in a manner of legal true-sale. The receivables are owed by pre-agreed obligors which are customers of MUFG.


7. Onshore Foreign Currency Loan (OFCL) - Trade
   A trade financing facility for financing of exports and domestic sales under Open account terms.


8. Bankers Acceptance (BA) - Sales
   A short term working capital facility extended by MUFG Bank (Malaysia) Berhad to a Customer (Seller) facilitating the financing of their sale/ export of goods. BA is a usance
   Bills of Exchange (BA Draft) drawn by the Customer on and accepted by the Bank to finance sale to resident, or export to non-resident supported by documentation evidencing the movement of goods between the two parties

1. Letter of Credit
2. Inward Bills for Collection
3. Outward Bills for Collection
4. Shipping Guarantee, Endorsement of Airway Bill/Parcel Post Receipt/Bill of Lading
5. Bank Guarantee/Standby Letter of Credit
6. Bankers’ Acceptance
7. Onshore Foreign Currency Loan
8. Invoice Financing, Trust Receipt
9. Foreign / Domestic Bill of Exchange Purchased
10. Foreign / Domestic Bill of Exchange Purchased- Authority to Purchase
11. Advance Against Trade
12. Export Credit Refinancing

Stamp Duties : As per Stamp Duty Act 1949 (Revised 1989)

Disbursement Fee : Include fees for registration of charge and Power of Attorney (for property with individual or strata title and for property under master title respectively), land search, bankruptcy search and other related charges.

1. Letter of Credit (LC)
2. Inward Bills Collection (IBC)
3. Shipping Guarantee (SG) / Advance Endorsement (AE)
4. Letter of Credit Advising (LA)
5. Letter of Credit Transfer (LT)
6. Letter of Credit Confirmation
7. Outward Bills Collection (OBC)
8. Bank Guarantee (BG)
9. Standby LC (SBLC
10. Banker's Acceptance (BA)
11. Trust Receipt (TR) / Foreign Currency Trust Receipt (FCTR)
12. Invoice Financing (IF) / Foreign Currency Invoice Financing (FCIF)
13. Packing Credit (PC)
14. Bills of Exchange Purchase (BEP)
15. Credit Bills Purchased (CBP)
16. Export Credit Refinancing (ECR)
17. Factoring
18. Supplier Finance (SF)
19. Account Receivables Purchase (ARP)
20. Dealer/Distributor Finance (DF)

1. Company’s profile
2. Registration documents example: SSM; approval from any local authorities such as MITI; MIDA.
3. Bank statement for the past 6 months
4. Annual Report
5. Key suppliers and buyers

Fees and charges are according to the product features. https://www.uob.com.my/corporate/fees-and-rates/trade-services.page

1. Advising of Export L/C
   With a wide network of correspondent banks globally, the Bank can promptly authenticate the inward Letter of Credit received in your favour and advise you in the most expeditious manner


2. Bills Negotiation
   Immediate advance to exporters or sellers against presentation of compliant documents against Letter of Credit, without the need of pre-approved trade facilities


3. Bills of Exchange Purchased/Discounted (BEP/D)
   Facility whereby the bank purchases your outward bills for collection and credits your account immediately


4. Outward Export Documentary Collections (DA/DP)
   Handling of foreign or domestic outward collection documents based on customer’s instructions to obtain payment or acceptance


5. Bank Guarantee (BG)
   An undertaking by the Bank to pay an agreed sum to the beneficiary in the event that the Guarantee's applicant fails to perform its obligations


6. Bankers Acceptance (BA) - Sales
   A short-term financing for your export or sales of goods to local or international buyer


7. Flexi Trade Loan (FTL) - Sales
   A flexible solution which allows you to cover financing for both tangible goods and services under your exports or local sales transactions
   

• Malaysian controlled or owned businesses
• Business must be minimum 3 years in operations
• Viable business with proven track record and ability to meet financing obligations
• Key director(s)/management must have minimum 3 years’ experience in the similar line of business
• Confined to the Shariah Compliant business/requirement (For Islamic Facilities)
• Company that is involved directly or indirectly in export activity and international trade

1. 3 years financial Statutory documents of business
2. 6 months bank statements
3. Any other document which the Bank may require on case-to-case basis

Up to BLR/ BFR + 1.35% p.a.
Up to COF/ iCOF + 2.75% p.a.

Please refer to the respective Trade product for fees and charges information at https://www.affinalways.com/en/fees-and-charges

1. Outward Bills for Collection-i
2. Inward Bills for Collection-i
3. Wakalah Bank Guarantee-i
4. Over-the-counter Wakalah Bank Guarantee-i
5. Documentary Credit-I
6. Over-the-counter Documentary Credit-i
7. Standby LC- i
8. Accepted Bills-i
9. Trust Receipt-i
10. Promissiory Notes - i
11. Export Negotiation-i
12. Shipping Guarantee-i
13. Invoice Financing-i
    

• In operation for 3 years and above
• Profitable business

• For pre-screening, we just need the below documents
• Audited account for 3 years
• Latest management account

BFR / COF + (1.25% - 2.50%) p.a

• Stamp Duty as per Stamp Duty Act 1949
• Legal fees
• Other actual cost and charges as per Alliance Bank (M) Berhad standard tariff