Pre Shipment
A short-term working capital financing in exporting purchase of raw materials, production processes, and others. The source of this payment is a revenue of goods sales financed by the Bank so that the Buyer's payment must be done through the Bank. Pre-Shipment Payment Financing can be combined with Post Shipment Financing.
Benefits
- Able to fulfill working capital needs in exporting process and manage exporting company's cash flow.
- Obligation repayment of Pre Shipment financing is done after Exporters get payment as a result from the Importer (Buyer) so that company trade cycle is well managed.
Post Shipment Financing
Financing given by the bank to the exporter after post shipment is done by takeover/account receivable of export document in L/C or SKBDN transaction which exporter received from importer/buyer, as long as the terms and conditions of L/C or SKBDN are fulfilled.
Takeover/account receivable is done by:
- Export Notes Negotiation of L/C or SKBDN (Sight)
Banks take over sight LC/SKBDN orders/export documents with financing facilities to exporters before they receive payment from importer through the Issuing Bank.
- Export Notes Discount of L/C or SKBDN (Usance)
Banks take over usance LC/SKBDN orders/export documents with financing facilities to exporter before they receive payment from importer through the Issuing Bank. The financing is granted to exporter over usance LC/SKBDN orders/export documents invoice with condition Maybank Indonesia must have received acceptance from the Issuing Bank/Importer's Bank.
Benefits
- With Post Shipment Financing you can get quick financing service over the export yield without waiting for payment notice from the Issuing Bank/Importer's Bank so it can help you manage tight cash flow in the company.
- Obligation repayment of Post Shipment financing to the bank is done after the Issuing Bank/Bank's Importer payment is received so that your company trade cycle can be well managed.
Account Receivable
A short-term working capital financing given to the debtor as seller of the goods or goods and services to the buyer, whereby bank implement the financing based on invoice submission made by seller to the bank and the credit disbursement in cash can be directly used for working capital financing needed, so sellers don't have to wait for buyer's payment when the invoice is due. In this case, the debtors are the Seller.
Benefits
- Seller can receive payment faster
- An ideal way to manage seller's cash flow
Transferable LC/SKBDN
In trade transactions, exporters sometimes only act as facilitators/traders who do not produce their own goods, but buy from other suppliers. For this reason, Maybank Indonesia provides services to traders to transfer all or parts of the L/C value or SKBDN received to one or more suppliers as beneficiary II.
Benefits
- Maybank Indonesia has an extensive network, both domestic and abroad, as well as easy access through banking network.
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