Accepted Bills-i (AB-i)


Get a Shariah compliant trade financing with fixed maturity on your purchases or sales invoice

  • Imagine you’re a glove exporter and you required high cash flow to fulfil your business needs
  • Once the gloves have been shipped, you may convert your sales to cash immediately by presenting the sales invoice to the bank
  • With the fund available to you before your buyer makes the payment, you have additional liquidity to expand your business further
  • Finance AB-i Purchases based on Shariah contract of Murabahah (cost plus profit sale) and AB-i Sales based on Shariah contract of Bai’ AI-Dayn (sale of debt)
  • Drawn in Ringgit Malaysia only
  • Tenor min 21 days, max 365 days (Purchases), 180 days (Sales)
  • Financing is provided to the exact invoice amount with min RM50,000 per application
  • Invoice bunching is allowed with min RM1,000 per invoice
  • Rollover /Extension of AB-i tenor is not allowed
  • Margin of financing is up to 100% of the invoice value (at bank’s discretion)