At Bank Alfalah Islamic, we know that small and medium enterprises often face cash flow gaps that slow down progress. Our Shari’ah-compliant short-term financing solutions are designed to give SMEs the liquidity they need to keep operations running smoothly, invest in growth, and stay competitive.
We offer a range of flexible facilities:
Bank Alfalah Istisna
Support your production cycle with Istisna. This facility is ideal for SMEs in manufacturing or construction that need working capital for wages, overheads, or other production costs. Under Istisna, you place an order for an asset to be manufactured, and the sale is completed upon delivery.
Bank Alfalah Tijarah Finance
Turn your inventory into liquidity. With Tijarah Finance, you sell your finished goods to the bank on cash terms. We then appoint you as our agent to sell the same goods in the market, giving you immediate cash flow and the ability to meet working capital needs.
Bank Alfalah Murabaha Finance
Choose a transparent way to finance. In Murabaha, the bank purchases a commodity, discloses the cost, and sells it to you at an agreed profit — payable in cash or deferred terms. This facility is ideal for SMEs seeking short-term, interest-free financing for essential goods.
Bank Alfalah Salam
Strengthen your agri-business with Salam. Designed for the agricultural sector, Salam allows you to receive advance cash today against a commitment to deliver specific goods at a future date. It’s a practical way to ease seasonal working capital pressures.
With Bank Alfalah Islamic, your short-term financing is more than just funding — it’s a Shari’ah-compliant partnership built to sustain and grow your business.
Contact Us
For more information, reach out to us at:
- Email: contactus@bankalfalah.com
- 24/7 Helpline: +92 21 111 225 111
- Branch Locator: Bank Alfalah Branch & ATM Locator