Shariah-Based Business Finance for Working Capital and Growth

Bai-Murabaha Corporate & SME Finance from IFIC Islamic is a Shariah-based business investment solution designed to support Corporate and SME customers in meeting their working capital and short-term business financing needs. Based on the Islamic concept of Murabaha, this product enables eligible businesses to purchase trading goods, raw materials, accessories, and other business-related items through a transparent buy-and-sell arrangement.

Under Bai-Murabaha, the cost price and agreed profit are clearly disclosed to the customer, ensuring transparency, trust, and Shariah compliance throughout the transaction. It is an ideal financing solution for businesses engaged in trading, manufacturing, service, agriculture, non-farm activities, agro-based industries, and other eligible sectors.

Nature of the Product

Bai-Murabaha Corporate & SME Finance is based on a contractual sale arrangement where the Bank purchases required goods or assets as per the customer’s business need and sells them to the customer at an agreed price, including a disclosed profit margin. The customer repays the sale price as per the approved repayment arrangement.

This product is particularly suitable for businesses that require regular purchase of raw materials, trading items, or short-term business inputs to continue and expand their operations.

Key Benefits

Shariah-Based Financing

A business finance solution structured under the Islamic concept of Murabaha, designed for customers who prefer Shariah-compliant banking solutions.

Transparent Cost and Profit

The cost price and profit amount are disclosed and agreed upon, allowing customers to clearly understand the financial arrangement from the beginning.

Supports Business Growth

Helps Corporate and SME customers manage working capital, purchase raw materials, trading goods, and other business essentials required for day-to-day operations and expansion.

Suitable for Multiple Business Sectors

Available for eligible businesses involved in trading, manufacturing, service, agriculture, non-farm activities, agro-based industries, and other approved business segments.

Flexible Repayment Options

Customers may enjoy suitable repayment arrangements such as bullet payment, EMI-based payment, or EQI-based payment, depending on business nature and approval.

Short-Term and Mid-Term Financing Facility

The product supports short-term working capital needs as well as mid-term financing requirements, making it suitable for businesses with different cash flow patterns.

Designed for SME and Corporate Customers

Whether you are a growing SME or an established corporate business, Bai-Murabaha Corporate & SME Finance can help meet your business purchase and investment needs in a Shariah-compliant way.

Who Can Apply?

Eligible Bangladeshi entrepreneurs, business owners, SME customers, and corporate clients may apply for Bai-Murabaha Corporate & SME Finance, subject to the Bank’s eligibility criteria and approval process. The facility may be available for sole proprietorships, partnerships, limited companies, and other approved legal business entities.

Why Choose IFIC Islamic Bai-Murabaha Corporate & SME Finance?

IFIC Islamic aims to provide ethical, transparent, and customer-focused banking solutions that help businesses grow while maintaining Shariah principles. Bai-Murabaha Corporate & SME Finance offers a practical way for business customers to meet their purchase needs without compromising their faith-based financial values.

With nationwide banking access through IFIC Bank’s extensive network, customers can enjoy reliable service, business-friendly support, and Shariah-based financial solutions under one trusted banking platform.

Apply for Bai-Murabaha Corporate & SME Finance

Grow your business with a transparent and Shariah-based financing solution. Visit your nearest IFIC Bank branch or uposhakha to learn more about Bai-Murabaha Corporate & SME Finance.