MHL is on the take for Malaysian SME companies to help them grow and strike the vicious market

1. Financing for SMEs Malaysia Home Loanhttp://malaysialoan.com.my/category/malaysia-business-loan/ KNOW VARIOUS METHODOLOGIES OF HOW FINANCIAL INSTITUTIONS AFFECT SME FINANCING SOLUTIONS Powered by Malaysia Loan

3. Leasing

4. Industrial Hire Purchase

5. Overdraft

6. Revolving Credit

7. Factoring

8. Letter of Credit

9. Trust Receipts

10. Banker’s Acceptance

11. Bills of Exchange Purchased

12. Foreign Exchange Contracts

13. Export Credit Financing

14. Bills for Collection (Outward & Inward)

15. Bank Guarantee

16. Shipping GuaranteeAcquire business equipment Renovation purposes Transportation Purchases Service(s) acquisition Raw material purchases Hiring Workforce Property purchase/rental Technology purchase Insurance

17. Asset AcquisitionBusiness Expansion Purposes

18. Working Capital DAY TO DAY OPERATIONS FUNDING

19. Working Capital Financial Products OVERDRAFT FACILITY (OD) REVOLVING CREDIT To meet working capital needs Flexibility in funds management Day-to-day operations are financially satisfied. Commitment fee charge – 1% of unutilized portion of funds. Interest calculated on daily basis To meet short term working capital needs Lower financing costs Continuous availability of funds Convenient form of short term financing Loan granted for fixed period Loan can be rolled over only upon expiry

20. Trade Financing FINANCING FOR SMEs IN DOMESTIC AND INTERNATIONAL TRADE

21. Trade Financing Products Factoring Short term financing of trade debts. Discounted trade invoices purchase. Provide cash advances for business purposes. Easily obtainable No collateral required Able to be competitive in terms of credit (Prices)

22. Trade Financing Products Letter of Credit (LC) Import or local purchase of goods. Financial pay material/service provider subject to T&C. Lower price of goods and longer payment terms. Can assure payment to the beneficiary. Documents presented examined by trade financing specialists. Less communication with foreign supplier (if any)

23. Trade Financing Products Trust Receipts Extends credit facility on bills drawn under bank’s own LC (see above) Accept delivery prior to payment on sight (PoD) Enables prompt payment to the supplier. Take delivery (orders) without upfront payment (PoD) Ease cashflow

24. Trade Financing Products Banker’s Acceptance (BA) Financing export, import or domestic trade transactions. Bills for products are paid on a specific future date. Provides better cash flow before proceeds. Provides two-way financing as BA financing is applicable to sales and purchases.

25. Guarantees A LEGAL UNDERTAKING BY A FINANCIAL INSTITUTION TO GUARANTEE PAYMENTS

26. Bank Guarantee TYPES OF BANK GUARANTEE USES OF A GUARANTEE Bid Bond/Tender Performance Advance Payment Warranty of Maintenance Retention Security *all end with Guarantee Favouring the third party in terms of performance (purchases, payments, delivery) Private Debt Security for Corporates.

27. Bank Guarantee Benefits Portrays customer capability to perform service/product/work. Obtain more favourable trade terms. Funds to be used to support working capital requirements. Release of retention funds under contract. Customers can access funds for advance payments.

28. Shipping Guarantee Expedite the release of goods which arrives before original transport documents. Facilitate production and/or contract deadlines. Release the goods without production of original transport document. Imported under LC and is to be earmarked against TR/BA facilities

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