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SME Financing Products

Cash Line-i

A shariah compliant short term financing facility to finance working capital requirements that is revolving in nature but without the platform of a current account.

Revolving Credit-i

A short-term financing to companies for working capital requirements and/ or for the purpose of purchase order (pre) and invoice financing (post).

Commodity Murabahah Term Financing-i (CMTF-i)

CMTF-i is a term financing for fixed asset acquisition and/or working capital and is calculated based on a fixed or variable rate basis

Ijarah Thummal Bai’ (ITB) Financing

ITB is a leasing facility whereby the Bank (lessor) leases out the identified asset to the customer (lessee). Customers will then use the asset to run their business and generate sales. At the end of the lease period, the customer will purchase the asset from the Bank.

Kafalah Bank Guarantee (KBG)

Kafalah Bank Guarantee

It is a guarantee issued by the Bank to the Beneficiary (contract awarder/third party) where the Bank undertakes to pay the Beneficiary an agreed sum if the Customer defaults in fulfilling the obligations with the Beneficiary.