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.
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:
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.
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.