Corporate financing products
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.
Sharia-compliant financing structures
Flexible financing tailored to the stages and challenges of your commercial and production activity
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 financing
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 structure
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 financing
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.
Ijara ending with ownership
Use the asset now and own it later
Ijara ending with ownership lets companies use the real estate, assets, and equipment they need for an agreed period, then transfer ownership at the end of the term. This solution combines immediate use of the asset with future ownership, with comfortable instalments and simplified procedures in accordance with Islamic Sharia.
Choose the right financing for your company
A quick guide to match your business need with the optimal financing solution
| 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 |