Easier to plan
The total cost and the payment schedule are known in advance.
Islamic finance
Murabaha for business growth
Financing the purchase of fixed assets, raw materials and goods under a clear scheme with a markup known in advance.
For micro, small and medium business
Fixed assets, raw materials and goods
Term up to 60 months
Benefits
Why it is convenient
A clear financing model tied to an actual purchase of goods, equipment or raw materials.
Balanced load
The term and payments are set with the company’s capacity in mind.
Transparent terms
No hidden charges and no unexpected changes.
Partnership approach
Financing helps acquire the assets a business needs to grow.
The bank buys — your business pays in instalments
Instead of issuing funds, the bank acquires the required asset from the supplier and sells it to the client at an agreed price with a markup.
- You choose the asset Equipment, raw materials, goods or a facility for an investment project.
- The bank pays the supplier Funds are transferred to the supplier’s bank account.
- The asset is sold to you The price and the markup are agreed before the contract is signed.
- You pay on schedule Payment amounts and dates are fixed in advance.
Preliminary calculation
Work out the amount and the term to gauge the load on your business. Final parameters are set by the bank once the application has been reviewed.
Terms
Key terms
The main parameters in one place. Final values depend on the outcome of the application review.
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Who can apply
Micro, small and medium business
Also entities in the “champion” category.
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Purpose
Fixed assets, raw materials, goods
And investment projects in construction.
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Currency
US dollars
Funds are converted into soums and transferred to the supplier.
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Grace period
Up to 6 months
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Term
Up to 60 months
Fixed assets — up to 60 months; raw materials and goods — up to 36 months.
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Amount
Up to $1m / up to $3m
Up to $3m for businesses in the “champion” category.
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Markup
Floating
IBR markup + 0.5% + 5%.
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Collateral
125–140%
Depends on the financing term.
Questions and answers
Frequently asked questions
What is Murabaha?
Murabaha is a form of Islamic finance in which the bank buys goods or equipment and then sells them to the client in instalments at an agreed price with a markup. The total amount and the payment schedule are known in advance.
How does Murabaha differ from an ordinary loan?
With an ordinary loan the bank issues money and the client makes the purchase themselves. With Murabaha the bank first acquires the goods or equipment from the supplier and then sells them to the client in instalments at a price agreed in advance.
What is the main advantage for the client?
The client knows the total amount, the markup and the payment schedule in advance. The deal is tied to a real asset, which makes cash flow planning and risk management easier.
Become a client
Send a request
Leave your contact details — a bank specialist will contact you and answer questions about Murabaha.
Murabaha · BRB Business
Other offers
Other BRB loans
More financing scenarios for business.
For a new business
Start-up loan
Financing to launch a project, buy equipment and set up business operations.
- Up to 84 months
- For a start
Working capital
Working capital loan
For buying goods, paying salaries and covering the day-to-day needs of the business without cash gaps.
- Up to 36 months
- For working capital