Shariah-compliant financing for working capital requirements, personal consumption or purchase of property and asset.
Why should I get this facility?

To fulfill financial needs whether for working capital requirement, personal consumption, purchase of property and asset.  

The facility offers features such as :

  • No commitment fee on the unutilised portion of Cash Line-i
  • Protection against rising Base Financing Rate (BFR) through Ceiling Profit Rate
  • Allows flexibility  for settlement  of the facility   anytime without penalty charges
  • Profit charged is based on the amount utilised.
  • Tenure for a particular ceiling profit rate from minimum 3 months and up to five (5) years.
  • Competitive pricing package.  Profit Rates will depend on the package offered.

It is based on the Shariah contract of Murabahah (cost plus profit sale) via Tawarruq arrangement.  It's a method of sale with a mark-up price where customers pays a price over an agreed period of time.  The underlying asset for the sale transaction will be a specific tradable Shariah compliant commodity.

Anything else I need to know?
  • The facility is subject to periodical review.
  • Tenure is renewable subject to execution of new Akad.
  • Collateral will be required as security.
  • Late Payment Charge will be imposed on overdue amount:
    1. Within maturity: 1% per annum imposed on overdue payments .
    2. For Matured Financing/Upon Judgement: prevailing Islamic Interbank Money Market (IIMM) rate on the amount outstanding after maturity or judgement (whichever earlier)
  • Rebate  of Sale Price in the event of early settlement.
  • Open to :
    1. Individual/joint account,
    2. Sole Proprietorship/Partnership/Companies incorporated under Companies Act,
    3. Associations/Clubs/Societies
So how do I apply?

First are you an individual, joint account holder, or a company incporporated under the companies act?
To apply, visit any of our Maybank Branches and Business Centres with the relevant documents for your application.

Ok? Then we can move on to the documents we'll need with your application:
You will need:
Individual/Joint Application:

  • Copy of Identity Card.
  • Copy of at least three (3) months salary statement and may include other source of income to support the application.

For self employed,

  • Copy of latest EPF statement ; and
  • Statement of financial accounts; and
  • Bank statement for the past six months.

Other documents would be based on facility required.

That's it! Scroll down to the bottom of the page to apply now.

What about the small print?

We recommend you go through the small print in detail before you apply for this Cash Line-i facility.

Everything you need to know is here, just click to download this PDF document.