Factory employees talking on a break

Building
better Domestic Trade
Financing.

RHB Domestic Trade Financing

 

One way of growing your business and enabling 
it to prosper is to strengthen it with financing 
from a homegrown bank.

 

RHB Domestic Trade Financing including eco-friendly ESG Trade
Financing solutions helps to facilitate your local business transactions
with a wide range of financing products.

Lending credibility to 
your various domestic business needs.

Man selling wood to the customer

Domestic Bills Purchased

Do you need immediate funding for your sales? RHB Bank’s Domestic Bills Purchased (DBP) offers short-term sales financing upon presentation of documents drawn under Documentary Collection or Letter of Credit (LC).

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Domestic Bills Purchased

Benefits

Time is money
Improves cash flow to fund working capital requirements.
Helps to pay your suppliers early and to secure better pricing.
Opportunity to expand your business with the additional funds.
Product Disclosure Sheet

Domestic Bills Purchased Against Letter of Credit

If your company requires immediate funds, RHB Bank is ready to advance the money to you under a Letter of Credit (LC) upon presentation of complying documents without facility. This is subject to availability of the issuing bank & country limit and approval on case-to-case basis.


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Domestic Bills Purchased Against Letter of Credit

Benefits

Time is money
Improves cash flow to fund working capital.
No pre-set limit on the value of the Letter of Credit.
No credit facility is required.
Can pay your suppliers early, secure better pricing and expand your business with the added funds.
Product Disclosure Sheet
Employees counting inventory in the store

Letter of Credit (LC) Negotiation / Discounting without Recourse

RHB Bank’s Letter of Credit (LC) Negotiation / Discounting without Recourse gives you peace of mind to obtain export financing. It also provides liquidity for working capital and will take over the issuing bank’s non-payment risks.


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Letter of Credit (LC) Negotiation / Discounting without Recourse

Benefits

Provides relief against Letter of Credit Issuing Bank’s payment and country risks.
Guaranteed payment without recourse.
Non-recourse feature offers off balance sheet reporting option.
Product Disclosure Sheet

Vendor Financing

If you are a buyer and are willing to support your vendors who are selling to you on credit terms, you may request for Vendor Financing (VF) from RHB leveraging on your credit strength without the need for collateral. This will improve your vendor’s liquidity for better working capital.


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Vendor Financing

Vendor Benefits

Frees up existing credit lines and security as financing is provided against buyer’s payment undertaking.
Increases sales capacity from added liquidity.
Time is money
Improved and predictable cash flow.
Without recourse financing offers off balance sheet reporting opportunities.

Buyer Benefits

Enhances relationship with vendors by providing liquidity through RHB Bank.
Borrowings do not have to be recorded in buyers’ books to conclude purchases.
May enjoy price discounts from vendors who are able to produce, supply and increase sales through added liquidity.
Possible longer credit terms negotiation as vendors will obtain payment upfront on a discounted basis.
Product Disclosure Sheet

Banker’s Acceptance

A cost effective financing tool to cover your purchases, imports, sales and exports. Banker’s Acceptance (BA) is used to finance tangible goods.


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Banker’s Acceptance

Benefits

Allows access to funding with competitive rates.
Time is money
Improves cash flow for better cash management.
No commitment fees for unutilised facility.
Product Disclosure Sheet

Trust Receipt

RHB Bank’s Trust Receipt (TR) finances your purchases or imports that allow you to obtain your goods upfront. It is used to secure an advance and allows you to repay RHB at a later date with proceeds from the sale of your goods.


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Trust Receipt

Benefits

Allows you as the Buyer to take possession of the goods without having to use your own funds immediately.
Time is money
Improves cash flow for you by allowing additional time to convert goods into cash.
Flexibility in payment as partial repayment and early repayment are allowed without penalty.
Product Disclosure Sheet
Carpenter polishing wood

Flexitab-Invoice Financing (Flexitab)

Do you need more flexibility when it comes to financing? Flexitab covers both tangible and intangible goods that cannot be financed under conventional trade financing which also includes charges for the delivery of goods/services.


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Flexitab-Invoice Financing (Flexitab)

Benefits

Time is money
Improves cash flow by financing a wider range of trade related expenses.
Allows the service industry such as hotels, ticketing and tour agents, transport, construction and courier companies etc. to gain access to trade financing.
Product Disclosure Sheet

Promissory Note (P-Note) Financing

Finance your trade's tangible and intangible goods with greater flexibility in tandem with your core business. RHB Bank’s Promissory Note (P-Note) financing is a short-term financing that covers sale, exports, imports and purchases.


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Promissory Note (P-Note) Financing

Benefits

Access to competitive financing rates.
Access to financing of goods and services.
Partial repayment or full settlement of loan.
Product Disclosure Sheet

Strengthen your local businesses with

RHB Domestic Financing

Apply now
Barista making coffee

RHB Reflex Premium Plus
helps to build better business efficiency.

As your ally, helping you grow your business to new heights is our top priority. With RHB Reflex Premium Plus, we’ll sort out your financial, sales, accounting, people management and other processes so you can focus on giving your business your all.

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Accounting

View real-time banking balance and make payment directly from Financio then automated reconciliation to RHB Reflex.

HR

Kakitangan/Talenox works via RHB Reflex Premium Plus to manage leave, payroll and statutory payments.

MPOS

Take credit card payments on the go via MPOS where the collections are directly linked to your Business Current Account.

Eligibility

Domestic Bills Purchased

 

  • New and existing Sellers who have been granted the Domestic Bills Purchased (DBP) facility.

Domestic Bills Purchased Against Letter of Credit

 

  • This product is subject to the availability of the Letter of Credit (LC) issuing bank & country limits, and on case-to-case basis. It is available to existing borrowing customers who are named beneficiaries on the LC. The LC must be acceptable to RHB Bank.

 

Letter of Credit (LC) Negotiation/Discounting without Recourse


  • This product is subject to the availability of the Letter of Credit (LC) issuing bank & country limits, and on case-to-case basis. It is available to existing borrowings customers who are named beneficiaries on the LC. The LC must be acceptable to RHB Bank.

 

Vendor Financing

 

  • Vendors whose Buyers are customers of RHB Bank with good credit standing.

 

Banker’s Acceptance

 

  • New and existing Buyers or Sellers who have been granted the Banker’s Acceptance (BA) facility.

Trust Receipt

 

  • New and existing Buyers who are granted the Trust Receipt (TR) facility.

 

Flexitab-Invoice Financing (Flexitab)

 

  • New and existing Buyers or Sellers who have been granted the Flexitab facility.

Promissory Note (P-Note) Financing


  • New and existing Buyers or Sellers who have been granted the Promissory Note (P-Note) Financing facility.

Apply now

These solutions may also help you maximise your business growth

RHB Corporate Card

RHB Corporate Card

A rewarding business tool which offers a streamlined, safe and efficient way to pay for your business expenses.
RHB Reflex

RHB Reflex

Online service, combining cash management, trade and payment solutions together as an integrated online solution.
Compare

Apply now

 

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