Overdraft/Cashline-i

Your business needs working capital for the day-to-day running of the business. Generally, the most convenient / flexible form of financing would be an Overdraft (OD) facility.

Features

  • OD is a revolving loan granted and it is subject to annual review. It is made available to a business customer via a current account, whereby the borrower may withdraw the required amount each time by issuing cheques, as long as the OD limit is not exceeded.
  • Interest is calculated on a daily basis based on the balance outstanding at the end of each business day.

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Term Financing & Loan

Business term Financing/loans are a relatively simple way of securing funds for any period up to 5 years that is repayable in equal monthly instalments.

Benefits

  • Your Business term loan may be used for the following:
    • Purchase of fixed assets, for example, property or equipment.
    • Refurbishments and alterations.
    • Working Capital.
  • The account can be linked to electronic channels.

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Multi-Trade Facilities

Need working capital line to procure raw materials or finished goods to meet your business or trading requirements? Our Multi Trade Facility (MTF) allows you to use Letter of Credit, Trust Receipt, Bills Purchase and Invoice Financing etc to meet your trading and business requirements needs.

Benefits

  • Flexibility in using the suit of trade financing products to suit your trade transaction needs
  • Provide Trade Courier Services to collect and delivery trade documentation at your door step,
  • making trade transactions easy
  • Fast processing of trade bills within 24 hours
  • Competitive interest rates

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Equipment Financing

Purchasing an industrial equipment or machinery? Ease your cashflow by amortising your equipment’s purchase price over a period of up to 5 years.

Benefits

  • High margin of financing
  • Longer repayment period of up to 5 years
  • Tailored to your financing needs.
  • Competitive rates.

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Commercial Property Financing

A commercial property loan offers long-term finance for the purchase commercial/industrial properties which are already completed or are still under construction. The facility is also made available to refinance completed properties.

A commercial property loan also caters for further advances to existing borrowers for extensions and improvements to their commercial or industrial properties.

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Bank Guarantee

A Bank Guarantee allows customers to supplement their cash flow through an unconditional undertaking by the bank. The Bank will pay a sum of money to the beneficiary against presentation of a written demand and any other documents specified in the guarantee upon actual default by the principal in the underlying transaction

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Bank Negara Funded Loan

Fund For Small & Medium Industries 2 (FSMI2)

The FSMI2 is part of the Government’s effort to ensure that eligible small and medium enterprises (SMEs) in both the export and domestic-oriented sectors will have access to financing at reasonable cost.

Purpose of Financing

  • Expansion of productive capacity.
  • Working capital; or both.

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Bank Negara Funded Loan

New Entrepreneurs Fund 2 (NEF2)

The NEF2 is part of the Government’s continuous effort to promote the growth of small and medium Bumiputera enterprises, by ensuring that they have access to financing at reasonable cost.

Purpose of Financing

  • Expansion of productive capacity.
  • Working capital; or both.

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