Financing

Explore our state-of-the-art of finance solutions.

Our finance solutions are driven by innovation and inspired by the ever-changing market and expectations of our customers. Our team of experts with local and international experience give our customers an edge in all their banking and financing needs.

Commodity Murabahah

Our Commodity Murabahah (Tawarruq) facility offers businesses a Shari'ah-compliant solution for meeting short-term liquidity and working capital needs. This structure involves the purchase and sale of commodities to provide cash financing without involving interest, ensuring full compliance with Islamic finance principles.

Receivable Financing and Factoring

Receivable Financing and Factoring solutions provide businesses with Shari'ah-compliant access to liquidity by converting receivables into immediate cash. These products are designed to support working capital needs while ensuring transactions remain free from interest and fully aligned with Islamic finance principles. They are structured under Islamic contracts such as Wakala.

Musharakah Overdraft

Our Musharakah Overdraft facility offers businesses a flexible, Shari’ah-compliant solution for managing short-term liquidity needs. Based on the principle of Musharakah (partnership), this product allows the bank and the customer to jointly participate in a business venture, sharing profits according to a pre-agreed ratio while losses are borne in proportion to capital contribution.

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