Working Capital Financing (Murabaha)

MSME Financing

This is a convenient way of financing working capital requirement of commercial businesses. This product is used to nance purchase of inventory or raw material for our customers. The Bank appoints the customer as its agent to source for the goods the customer wishes to buy, negotiate price, quality and quantity and communicate outcome of the negotiation to the Bank via presentation of proforma invoice. The Bank will then purchase goods by making payment to the supplier, while the agent takes delivery of the goods. Payment of cost plus profit is made to the Bank by customer at the agreed future date.


  • The cost and the selling price must be revealed
  • The price and tenure of the lump-sum deferred payment must be agreed upon by the Bank and the customer;
  • The Bank appoints customer as an agent to purchase on its behalf
  • Financing for item of saleable value; e.g. purchase of stock and inventories, spares and replacements, semi-finished goods and raw materials.

For further enquiries on any of our products and services kindly contact us on 07007730000 or email us:

Project Financing/Construction (Istisna')
Lease to Own (Ijara wa Iqtina Corporate) Finance
Jaiz Ijara Service Corporate