Bankers Acceptance (BA) – Sales

Short term financing to finance your sales to Resident or Non- Resident on usance terms. You will have to draw a bill of exchange payable at a predetermined maturity date to be accepted by us. The BA is then discounted and the proceeds will be immediately credited to your account.

The underlying commercial transaction to support the drawing of a BA can be documents presented under an LC, documents presented under collection basis or sales on open account terms.


  • Tenor is determined based on the seller’s trade cycle to convert the goods into cash
  • Allow financing of purchases on credit terms
  • Payable at a predetermined future date
  • Drawn to finance the underlying trade transaction
  • Minimum financing tenor of 21 days



  • Advances granted will ease your cash flow without having to compromise on the credit terms and pricing
  • Financing at competitive money markets rates
  • Flexibility in financing amount and financing period
  • Cheaper funding rate option for ringgit rate option for ringgit financing

Financing amount

  • Minimum amount of financing RM50,000


  • Malaysian suppliers (Domestic Sales & Exports)


  • Approved BA Facility with the bank
  • Application must be made in the bank’s standard Application Form, along with Bills of Exchange (BA Draft), duly completed and signed by your authorised signatory/ies
  • Application must be accompanied by supporting documentation e.g. Invoices and transport documents, evidencing the underlying trade transaction

How to Apply

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  Contact our Call Centre at +603-5522 3000 or visit the nearest branches nationwide today.

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03-8230 2222

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