› Murabaha Fixed Asset:

Murabaha Fixed Assets equipment finance will help our clients with financing equipment’s and other capital expenditure so it will help meet their business needs as they pursue new markets and opportunities.

Murabaha is a sales contract that fixes the price of certain goods or items required by our clients, including a pre-agreed profit margin. It works in a simple way. Client identifies what they want and choose the seller. Al Masraf fixes the deal along with a profit. You then settle with Al Masraf according to the settlement terms agreed.

Features and Benefits:

1. Dedicated Relationship Manager to focus on your business needs

2. Flexible Finance Tenure

3. Large finance amount that suits your business needs

4. Competitive profit rate and no hidden charges

5. Reasonable and acceptable collateral requirements

6. Low Processing fee for due diligence and documentation

7. Quick processing

8. 24/7 access to your account through Al Masraf Corporate Online Banking

›Fleet Finance through Murabaha:

Our tailor-made financial package can provide fleet and commercial vehicle financing for companies engaged in transportation, construction, contracting, rent-a-car, trading, and service or manufacturing activities.

It is a convenient way for companies to finance their fleet, with complete peace of mind. It also makes perfect business sense and effective use of their capital resources.

Features and Benefits:

1.Dedicated Relationship Manager to focus on your business needs

2.Finance up to 60 months

3.Flexible down payments

4.Large finance amount that suits your business needs

5.Competitive profit rate and no hidden charges

6.Reasonable and acceptable collateral requirements

7.Finance available for new and used vehicles

8.Low Processing fee for due diligence and documentation

9.Quick processing

10. 24/7 access to your account through Al Masraf Corporate Online Banking

› Ijara Real Estate Finance:

Ijara is an effective and practical financing tool allowing businesses to acquire ready properties such as; buildings, Towers, Lands, commercial complexes, etc.. through a lease, instead of outright purchase, thus reducing the heavy burden of capital expenditure. The leasing period normally ranges from 1-8 years, with the lessee having the right to purchase the leased asset at the end of the Ijara period.

To illustrate the above, we will purchase a property in Al Masraf name based on our SMEs, Commercial or Corporate customer’s promise to lease it from us. Once we buy the property, we will lease it to the customer. The lease rent is structured in a way that at the end of the lease period, our purchasing cost and profit is recovered and we transfer the ownership of the property to you for a nominal sale price or as a gift by a separate sale or gift contract at the end of the lease period.

Features and Benefits:

1. Dedicated Relationship Manager to focus on your business needs

2. Qualified Assets: Residential, Office Buildings, and Villa Complexes and Land

3. Flexible Finance Tenure

4. Flexible Down Payment for the purchase price

5. Large finance amount that suits your business needs

6. Competitive profit rate and no hidden charges

7. Profit Rate: Variable rate throughout the financing period

8. Mode of Payment: Monthly, Quarterly, Semi-annual or Annual terms are available

9. Reasonable and acceptable collateral requirements

10. Accepting different source of payments (Rentals of the building)

11. Low Processing fee for due diligence and documentation

12. Quick processing

13. 24/7 access to your account through Al Masraf Corporate Online Banking

› Murabaha Real Estate:

Murabaha’ literally means ‘selling on profit’. In this agreement, we help customers purchase land/building of their choice. Once you choose the land you wish to buy, a Murabaha agreement is drawn up. According to this agreement, you promise to buy the property from the Bank on a deferred payment basis. The Bank then buys the property directly from the seller and transfers the ownership of the property to you at a fixed amount or percentage of profit.

The Bank will obtain a security or a guarantee from you to ensure prompt and timely payment of the instalments due as per the Murabaha terms.It must be always kept in mind that from the time the goods are purchased till the time they are sold, the goods are in the name of the seller and he bears full risk as the owner during that period.

Features and Benefits:

1. Dedicated Relationship Manager to focus on your business needs

2. Flexible Finance Tenure

3. Flexible Down Payment for the purchase price

4. Large finance amount that suits your business needs

5. Competitive profit rate and no hidden charges

6. Profit Rate: Fixed rate throughout the financing period

7. Mode of Payment: Monthly, Quarterly, Semi-annual or Annual terms are available

8. Reasonable and acceptable collateral requirements

9. Accepting different source of payments

10. Low Processing fee for due diligence and documentation

11. Quick processing

› Working Capital Finance:

We provide corporate banking financing solutions through our innovative approach of Islamic Banking Sharia complaint products.

As a result, the bank is able to offer a comprehensive financial solution geared to meet the demands and complexities of the corporate finance sector for funding their Working Capital needs Our tailor made Working Capital finance package will allow our clients to Trade in Sharia Complaint Commodities through Murabaha Commodities/Finance.

With Al Masraf Working Capital Finance, you can buy and acquire a variety of sharia complaint commodities from us or get upfront cash price when you need it, at the most competitive profit rates available in the market.

Murabaha is a sales contract that fixes the price of certain goods or items required by a customer, including a pre-agreed profit margin. It works in a simple way. You identify what you want and choose the seller. Al Masraf fixes the deal along with a profit. You then settle with Al Masraf according to the settlement terms agreed.

The Murabaha financing varies according to the nature of the purchases and the working capital cycle of the customers

Features and Benefits:

1. Dedicated Relationship Manager to focus on your business needs

2. Reasonable and acceptable collateral requirements

3. Competitive financing profit rate and no hidden charges

4. Fast turnaround time

5. 24/7 access to your account through Al Masraf Corporate Online Banking