Islamic financing "Murabaha"
Islamic financing for purchasing fixed assets, raw materials, and goods
Markup
Flexible
Term
Up to 60 months
Amount
Up to 3 million USD
Business starts with values. Finance starts with Murabaha.
Murabaha is more than just financing — it’s a fair, transparent solution for growing your business, built on the principles of Islamic finance.
Why is it convenient?
Easier cash-flow planning. All costs are known upfront — no unexpected interest or surprises.
Optimal financial load. Payments are structured based on your business’s real capabilities.
No fine print. All terms are clear and transparent, nothing slows down your growth.
A partnership, not just a loan. We don’t simply provide funds for a fee — we help you move toward your goals.
From microbusinesses to market leaders, every entrepreneur can confidently manage cash flow, distribute financial obligations wisely, and scale their business with certainty.
Product Type | Islamic Financing |
Customer Segment | Micro, small, and medium-sized businesses, as well as entrepreneurship entities classified as “champion” under Decree No. PF-50 |
Financing Currency | Foreign currency (US dollars) Note: In this case, debt funds are converted from foreign currency to local currency and payment is made directly to the supplier. The debt account is maintained in foreign currency. |
Financing Purpose |
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Financing Term |
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Grace Period |
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Financing Amount |
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Markup (Annual) | 10-year MidSwap rate + ITB spread per Hadli contract + 0.5% (Central Bank margin) + 5% (BRB margin) |
Product Disbursement Method | By advance payment to the supplier’s bank account |
Product Line | Through a closed-line facility |
Financing Security and Guarantee Amount | In accordance with the Bank’s credit policy and the procedures for managing credit collateral. |
1. | The client must have a primary and/or secondary account in the BRB system. |
2. | The business must have been in operation for at least 12 months and demonstrate consistent cash inflows from its activities. |
3. | Qarz oluvchi kredit yuklamasi 50 foizdan ko‘p bo‘lmasligi |
4. | The borrower’s existing credit obligations must not exceed 50% of their repayment capacity. |
5. | The financial statements (Form 2) must not show a loss. |
6. | The indicator of available working capital must not be negative. |
7. | There must be no outstanding debt recorded in the BRB system’s Form 2 registry. |
8. | The client must have no amounts payable under enforcement proceedings opened by the Compulsory Enforcement Bureau. |
9. | As additional security for Murabaha financing, the personal guarantees of the company’s founders must be provided. |
10. | The borrower must submit a financing agreement structured under the principles of Murabaha. |
Ko'p beriladigan savollar
1. What is Murabaha?
Murabaha is a type of Islamic financing in which the bank purchases goods or equipment and sells them to the client at a marked-up price. The total amount and payment schedule are clearly specified for the client in advance.
2. How does Murabaha differ from a conventional loan?
In a conventional loan, the bank provides cash, and the client purchases the goods themselves, repaying the loan with interest. In Murabaha, the bank buys the goods, temporarily holds ownership, and then sells them to the client at a marked-up price. The client knows in advance the exact amount, timing, and purpose of each payment before signing the contract.
3. What is the main advantage of Murabaha for the client?
The client knows from the start the total amount payable, the markup, and the payment schedule. Since the transaction is tied to an actual asset, planning and risk management become much easier.
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