Smooth cash flow is the lifeline of every business. At Bank Alfalah Islamic, we understand that corporations often face imbalances that can slow down growth. That’s why we offer Shari’ah-compliant working capital solutions designed to keep your operations running without compromise. Our flexible facilities empower you to access funds when you need them most, all aligned with your values.
We provide a wide range of options:
Bank Alfalah Running Musharakah
Running Musharakah is a Shari’ah-compliant alternative to conventional Running Finance, based on the Islamic principle of Shirkat-ul-Aqd. Under this arrangement, the Bank and the Customer jointly invest in the core operating activities of the business, sharing profits and losses in proportion to their respective investment ratios. It offers the flexibility to draw funds as needed, making it well-suited for managing working capital and other short-term operational needs.
Bank Alfalah Istisna
Support your production cycle with Istisna. Tailored for manufacturing and construction businesses, this facility helps cover working capital needs such as wages and overheads through an order-based sale contract.
Bank Alfalah Tijarah Finance
Unlock liquidity with Tijarah Finance. By selling your finished goods stock to the bank, you can immediately access cash while continuing to sell the goods in the market as our agent. It’s a simple, Shari’ah-compliant way to meet short-term trade finance needs.
Bank Alfalah Murabaha Finance
Choose transparency with Murabaha. We buy a commodity, disclose its cost, and sell it to you at a mutually agreed profit. Ideal for short-term financing, Murabaha ensures you get the goods you need without interest-based lending.
Bank Alfalah Salam
Bank Alfalah offers Salam to meet the customer’s working capital financing needs, whereby the customer agrees to deliver a specific commodity or asset at a future date, while the Bank pays the full price in advance. This arrangement provides convenience for the customer in managing working capital requirements.
Musawamah
Musawamah is a Shari’ah-compliant sale contract where Bank Alfalah sells a commodity to the customer at a mutually agreed price without disclosing the original cost. It is used to facilitate trade transactions of the customer.
At Bank Alfalah Islamic, our focus is on your business continuity. With our Shari’ah-compliant working capital finance, you can focus on growth while we take care of your liquidity needs.