Business Financing-i 


Cash Line-i (CL-i) is an Islamic Overdraft facility, a financing granted under a current account, whereby the customer is authorized to draw on account up to an approved limit. CL-i will provide customer with flexibility in utilization of its credit facilities whereby it is suitable for financing of working capital requirement and contract financing to cater the customer daily transactions.

Shariah Concept



  • Business has been in operation for the past 3 consecutive years with similar principal business activities.
  • Adequate and acceptable level of paid up capital which indicates a commitment from Customer.
  • Growing trend in both revenue and profitability for at least the past 3 consecutive years.
  • Positive shareholder’s fund./li>
  • No on-going legal action or unresolved litigation records on the business, shareholders and directors.
  • Business, shareholders and directors must not have more than 2 MIA per facility (other Financial Institutions) and not more than 1MIA (facility with Bank Rakyat) in CCRIS conduct in the past 12 months.
  • Must be a business registered in Malaysia, is Malaysian controlled and Malaysian-owned business (at least 51% shareholding).


up to 5 years (subject to annual review)

Fees and Charges

  • Brokerage fee: each transaction is at RM7 for every million purchased in commodities (will be shared equally between the customer and the Bank).
  • Legal charges: Including legal charges for financing documentation, registration charges, ground search, search bankruptcy / bankruptcy and other charges related.
  • Duty stamp (as per Stamp Duty Act 1949 (revised 1989).

Financing Rate

Profit rate (all in rate)

  • Cost of Fund (COF) + Spread; OR
  • Base Financing Rate (BFR) + Spread


Spread is determined based on credit standing of the Customer during application of facility.

Required Document

  • Copy of Company Profile
  • Certified true copy of Form 24, 44 & 49 and Memorandum & Articles of Association/Constitution or a written confirmation duly signed by a director confirming that the Company does not have a Constitution.
  • Certified true copy of 3 years' Audited Accounts (not more than 18 months old from the application date) and latest Management / Draft Accounts (not more than 12 months old from the application date).
  • Top 3 suppliers and buyers
  • Latest debtors and creditors ageing reports
  • Existing bankers and banking facilities.
  • Latest 6 months' Current Account statements with all banks.
  • Projected Profit & Loss Accounts & Cash Flow Projection for 2 years.
  • Information on net worth such as reported income, FD receipts, BE Form etc.
  • Information on directors / shareholders/ partners net worth.
  • Lists of completed projects, projects in-hand (inclusive of project tenure and % of completion) and projects tendered (if applicable)
  • Duly completed application form / Letter of Application
  • Any other documents required by the Bank

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