Financing solutions that support your company
Al Waha Bank offers banking products tailored to companies and commercial, production, and agricultural projects, helping them secure liquidity, finance assets and projects, support imports, grow funds, and manage investments with flexibility and clarity.
Banking trust your company can build on
Sharia-compliant banking options by product.
Licensed and supervised by the competent authorities.
Solutions for companies, trade, and payroll.
A relationship manager to follow your company's needs.
Banking solutions for more stable businesses
Products designed around your company's needs
Whether your company needs to buy assets and goods, finance production, deliver a new project, support imports, or cover operating expenses, Al Waha Bank offers diverse solutions to help you run your business with confidence.
Corporate financing
Flexible financing structures to buy assets, finance production and projects, support imports, and provide working capital.
Savings and investment
Solutions that help companies organise savings, grow funds, and choose an investment approach that fits their goals.
Gold products
Options to invest in gold, hold gold sukuk, and store precious assets in a secure, trusted environment.
Corporate financing products
Flexible financing for every stage of your activity
Al Waha Bank corporate financing products help meet the needs of commercial, production, and agricultural businesses through clear Sharia structures, simplified procedures, and repayment plans suited to each transaction.
Murabaha to the purchase orderer
Finance the purchase of assets and goods with clarity and transparency
Murabaha to the purchase orderer lets your company obtain the assets and goods it needs: Al Waha Bank buys the required asset or good, then sells it to the company at a disclosed, pre-agreed profit. This structure offers a clear, reliable financing experience, with comfortable repayment periods and simplified procedures that comply with Islamic Sharia.
Salam
Advance liquidity to support production and agriculture
The Salam structure provides production and agricultural companies with the cash financing they need in advance, against future delivery of products under agreed terms. This solution helps provide the liquidity required to continue production, cover operating needs, and support growth and expansion plans.
Istisna'a
Turn your plans and projects into real assets
The Istisna'a structure lets companies finance the manufacture or construction of assets and facilities according to the specifications they set. It offers eased repayment plans aligned with project stages, giving the company greater flexibility in managing financing and following the work.
Musharaka
A financing partnership that supports your expansion
The Musharaka structure is based on Al Waha Bank entering as a partner in the project, sharing profit and loss in accordance with Islamic Sharia. It offers companies flexible financing and integrated solutions to develop activity, expand operations, and achieve commercial goals within a framework of clarity and transparency.
Participation letters of credit with partial cover
Support import operations and provide liquidity
Participation letters of credit with partial cover help companies complete commercial import operations by opening a letter of credit of which Al Waha Bank finances a portion under the Musharaka structure. This solution gives the company the liquidity needed to close deals and manage import needs efficiently and with confidence.
Working-capital financing
Keep your company's operations running
Working-capital financing provides the liquidity needed to cover operating expenses and the company's daily needs, helping operations continue smoothly. It also supports the company's ability to manage obligations and seize growth opportunities through flexible Sharia-compliant structures.
Choose the right financing for your company
A solution for every commercial or production need
| Company need | Suitable financing solution |
|---|---|
| Purchase of assets and goods | Murabaha to the purchase orderer |
| Financing agricultural or production activity | Salam |
| Manufacturing or constructing assets and facilities | Istisna'a |
| Entering a financing partnership | Musharaka |
| Supporting import operations | Participation letters of credit with partial cover |
| Covering operating expenses | Working-capital financing |
| Using the asset then owning it | Ijara ending with ownership |
Business finance calculator
Indicative calculator for corporate financing
See your company's capacity to obtain financing that fits operating or expansion needs, based on annual profits.
Turn your plan into a financing request
Ready for the next step? Submit your financing request online and receive a fast response with preliminary approvals in record time.
Corporate savings and investment
Solutions to grow funds and manage financial resources
Al Waha Bank offers savings and investment solutions that help companies organise financial resources, grow savings, and choose an investment approach that fits their goals and activity.
Corporate savings accounts
A secure step toward greater financial stability
Savings accounts give companies a secure way to grow savings under Sharia structures, with easy deposits, withdrawals, and account management when needed. They help the company organise financial resources, preserve liquidity, and build a more stable financial base.
Investment agency (Wakala)
Professional investment that combines flexibility and transparency
Investment agency lets the company appoint Al Waha Bank to invest its funds in studied, Sharia-compliant fields for a disclosed fee. The bank may also appoint the company or trader to invest funds and grow commercial activity, within a clear investment relationship that defines roles and obligations.
Mudaraba
Invest capital through a clear partnership
In Mudaraba, the company provides capital and Al Waha Bank invests it, using its expertise, in Sharia-compliant projects, with profits distributed at agreed ratios. The bank may also provide funds for a trader to invest and grow the activity, making Mudaraba a flexible solution to grow funds and support commercial business.
Gold products for companies
Diversify investment and protect asset value
Al Waha Bank offers a range of gold products that help companies diversify investment portfolios and preserve the value of funds and assets amid market volatility.
Gold accounts, investment, and gold sukuk
Flexible investment in a valuable asset
Gold products let companies open gold accounts, invest in gold, and hold gold sukuk in accordance with Sharia controls. These options provide a way to diversify the investment portfolio, protect the value of funds, and manage gold investment with ease and confidence.
Gold safekeeping accounts
Secure, trusted storage for your precious assets
Gold safekeeping accounts provide storage of the precious metal in a secure, trusted environment, with easy deposit and retrieval when needed. This service gives companies greater peace of mind in managing and protecting precious assets to a high standard of security.
Choose the investment that fits your company's goals
| Company goal | Suitable solution |
|---|---|
| Organise savings and preserve liquidity | Savings accounts |
| Authorise the bank to manage investment | Investment agency (Wakala) |
| Invest capital and share profits | Mudaraba |
| Authorise the bank to choose opportunities | Unrestricted investment |
| Specify investment fields | Restricted investment |
| A trusted, lower-risk investment | Unrestricted Mudaraba deposit certificates |
| Diversify the portfolio and protect the value of funds | Gold accounts and gold sukuk |
| Store gold in a secure environment | Gold safekeeping accounts |
End-to-end support for your trade in Libya and abroad
International operations and strong trade-finance solutions for importing and exporting companies.
Fast execution of international transfers
Cross-continent coverage with correspondent-bank support
Letters of credit and letters of guarantee
Financial advisory for your international operations
Full control of your accounts from anywhere
Save time with the Waha for Business platform. Manage staff permissions, run payroll transfers in bulk, and follow operations in real time.
Manage multiple accounts with custom permissions
Pay group salaries in one click
Real-time financial reports and detailed statements
Ready to grow your business with
Al Waha Bank?
A team of corporate-finance experts is ready to advise you and design the most suitable financial solutions.
Sharia-compliant financing and investment
Clarity and flexibility across transactions
Al Waha Bank corporate financing, savings, and investment products are offered through structures that comply with Islamic Sharia. These solutions rest on clear principles suited to each transaction, such as sale at a disclosed profit, profit-and-loss sharing, Ijara, Mudaraba, investment agency (Wakala), and financing of manufacturing and production.
Why Al Waha Bank for companies?
A banking partner that supports business continuity
Product diversity
Solutions to finance assets and projects, and to support production, imports, and operating expenses.
Flexibility of choice
Different structures suited to commercial, production, and agricultural activities.
Clarity and transparency
Products based on clear terms, with agreed profit or ratios according to each structure.
Sharia compliance
Financing and investment solutions offered under Sharia structures and controls.
Growth support
Products that help companies secure liquidity, deliver projects, grow funds, and expand.
Corporate FAQs
Information to help you choose the right solution
Latest news and reports
View all newsStart your banking experience with Al Waha Bank
Whether you need a personal account, a payment card, a transfer service, project financing, or digital solutions to manage your business, Al Waha Bank offers services designed to support your needs.