Export Credit Refinancing (ECR)


Financing scheme introduced by BNM to promote the export of eligible manufactured and agricultural products via credit facilities by commercial banks. To finance pre-shipment and post shipment of eligible products for exports.

  • Drawn in RM only
  • Pre-shipment and Post –shipment bill must have a min nominal value of RM10,000
  • Pre-shipment – max 4 months
  • Post-shipment – max 6 months
  • Pre-shipment loan draw down prior to shipment of eligible goods
  • Bank handles and monitors the collection of export proceeds
  • Obtain advance or financing before actual payment or acceptance from buyer / importer
  • ECR funding rate is determined by EXIM Bank from time to time