Disbursements and exposure

• Financing for Malaysian manufactures and traders’ export trade financing requirement
• Products:
• Pre-shipment: Working capital for production of goods
• Post-shipment: Finance shipment amount of invoice
• Eligibility: Companies registered under Company Act 1965
• Maximum loan amount:
• Pre-shipment: Up to 85% of export order value
• Post-shipment: Up to 100% of export invoice
• Tenor:
• Pre-shipment: Up to 120 days (longer exceptionally)
• Post-shipment: Up to 180 days (longer exceptionally)
• Interest rate: Cost of funds plus spread
• Currency: MYR, USD, and EUR currencies at agency’s discretion
• Repayment: Monthly, quarterly, or semi-annual
• Disbursement:
• Pre-shipment: Direct to the local suppliers or exporters
• Post-shipment: Direct to exporter
• Fees: 1.0% on the financing amount

• Financing for foreign buyers of Malaysian goods and services
• Eligibility:
• The supplier/contractor must be a Malaysian-owned and controlled company
• Product exported from Malaysia must be of Malaysian origin
• Maximum loan amount: Up to 85% of the project cost or contract value
• Tenor:
• Private foreign company: Up to 10 years
• Foreign government: Up to 15 years
• Interest rate:
• Cost of funds plus a spread based on risk assessment considerations
• Currency: USD, EUR, and other currencies at agency’s discretion
• Repayment: Monthly, quarterly, or semi-annual options
• Disbursement: Directly to contractor, supplier, or project owner
• Fees: Processing fee of 1.0% of the financing amount

• Available to Malaysian-owned and controlled companies engaged in the provision of services for the global market
• Eligibility:
• The service provider/contractor must be a Malaysian-owned company
• Maximum loan amount: Up to 70% of the project cost or contract value
• Tenor: Up to 5 years
• Interest rate: Cost of funds plus spread
• Currency: MYR, USD, EUR, and other acceptable currencies
• Repayment: Monthly, quarterly, or semi-annual options
• Disbursement:
• Directly to supplier
• Directly to the borrower for overhead expenses or as reimbursement of previously incurred expenses
• Fees: Minimum processing fees of 1.0% of the financing amount; fees are waived for SMES

• Malaysian exporters can help the overseas buyer secure a long-term Malaysia EXIM Bank guaranteed financing
• Covered tenor: 3–6 months beyond invoice due date
• Eligibility:
• Existing contract with minimum value of MYR 2 million or foreign currency equivalent
• The commercial contract must have a minimum Malaysian content of 30% in the form of goods and services
• Cover:
• The lending bank can finance up to 85% of the contract value, while the 15% balance must be paid directly by the buyer to the exporter as down payment prior to the start of the credit period
• For public buyers, 100% financing is allowed
• Repayment tenor: Between 2 and 15 years
• Fees:
• Processing fee of 1% (subject to change) on insured amount
• Minimum MYR 1,000 and a maximum MYR 20,000 (or foreign currency equivalent)

• Post-shipment insurance against non-payment by foreign buyers
• Term: 1 year with annual renewals
• Risk exposure commences when the goods are shipped to overseas buyers
• Risks covered: Commercial and political
• Coverage percentage:
• Commercial: Up to 90%
• Political: Up to 95%
• Maximum financing size:
• Medium-term: USD 10 million
• Long-term: No limit
• Credit terms: Up to 180 days
• Eligibility:
• Malaysian entities registered under Companies Act of 1965
• Minimum 2 years in operation
• No adverse track record in the credit database
• Minimum capital of MYR 100,000
• Evidence of export during the previous 12 months
• Fees:
• Credit limit application fees: MYR 250 per buyer
• Annual review of buyer: MYR 250

• EXIM Bank confirms L/C’s issued by 78 Asia Development Bank participating issuing-banks from 16 Asian countries
• Eligibility:
• Exporter must be a Malaysian-incorporated company
• Trade between Malaysia and 43 ADB Developing Member Countries
• Goods that are not on the list of ADB excluded goods and contracts
• Guarantee amount: Up to 100%
• Tenor: Matches L/C terms
• Currency: MYR, USD, EUR, and other currencies
• Fees: 0.1% of the guarantee amount

• MalaysiaKitchen financing facility
• Bond risk insurance
• Overseas project financing
• Overseas contract financing
• Overseas investment financing
• Go-Export Financing (GEFP)
• Provides financing to SMEs and corporate clients, enabling them to invest and grow in the areas of export development, green technology and supply chain ecosystem
• GEFP comprises three programs known as EXIM Go-SMExport, Go-Export ACE, and Go-Export GreenTech
• Funding may be used to grow businesses, obtain funds for cashflow requirements, or expand in strategic green-tech and other tech sectors
• Both EXIM Go-Export Green Technology and Go-SMExport have a financing cap of MYR 10 million. No upfront fee is required and there will also be a double deduction tax relief for Trade Credit protection
• As for the Go-Export ACE, there is a cumulative funding limit of up to MYR 100 million for vendors
• Additional direct financing products (both Sharia and commercial):
• Term loan
• Revolving credit
• Import financing
• Bill of exchange purchase
• Additional trade finance products:
• For exporters: LC advising, transfer, collection, outward bill of collection, confirmation, back-to-back
• For importers: LC, inward bill collection, shipping guarantee, endorsement of transport document
• Trade finance guarantee products: Bank guarantees and stand-by LCs

• Provides conventional and Islamic finance, as well as Shariah-compliant products

• Corporate governance guidelines and social and environmental responsibilities

• Green Lane policy to promote innovation at SMEs

• 2023: EXIM Bank unveils go-export financing program (“GEFP 2023”) to support SMEs and corporates’ business growth