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Working Capital Financing
Working capital finance under Murabaha, is the sale transaction of complete, semi-finished products, or raw materials for resale or manufacturing. The client pays in monthly instalments or bullet payments throughout the agreed-upon time. The sale transaction between the bank and the customer is facilitated after they provide the necessary collateral or security.
Friendly rate
Offers competitive profit rates compared to the market.
Transparent process
Process is straightforward with a quick turnaround time upon application.
Flexible repayment
Client pays in monthly instalments or bullet payments throughout the agreed upon time.
Dedicated relationship manager
Get personalized financial advice from a dedicated relationship manager.
Flexible loan amount
Loan amount given is dependent on the borrower’s limit.
Short-term Working Capital Financing
KCB Sahl banking offers short-term working capital through the Qardh facility, which allows approved clients with current accounts to do business, pay staff, pay taxes, and cover clearing expenses for their commodities.
Shariah compliant
This product complies with the principles of Shariah and is based on the Qard Hasan (Benevolent Loan) contract.
Quick turnaround time
Process is straightforward with a quick turnaround time upon application.
Extension of offering
Is offered once a year but can be offered thrice to counteract market competition.
Asset Based Financing
KCB Sahl banking offers short-term working capital through the Qardh facility, which allows approved clients with current accounts to do business, pay staff, pay taxes, and cover clearing expenses for their commodities.
Competitive Rates
Enjoy fixed competitive rates compared to the market.
Acquire used or new assets
Finances the acquisition of both used or new equipment, machinery and vehicles.
Transparent process
Process is straightforward with a quick turnaround time upon application.
Dedicated relationship manager
Get personalized financial advice from a dedicated relationship manager.
Building Material Financing
Building material financing is available through Murabaha for the purchase and sale of building materials to help clients complete their construction projects. The customer is given the loan after supplying the appropriate collateral, which may include the funded item, and then pays it back in installments over the agreed-upon time.
Flexible repayment period
Customers enjoy a flexible repayment period of up to 3 years.
Dedicated relationship manager
Get personalized financial advice from a dedicated relationship manager.
Competitive rates
Enjoy fixed competitive rates compared to the market.
Transparent process
Process is straightforward with a quick turnaround time upon application.
Building/House/Plot/Asset Financing
Based on the Shariah compliant mode of finance, the Diminishing Musharakah Financing has been designed to help customers in acquiring buildings, houses, plots, machinery and other assets. With a 10% minimum contribution of the amount and maximum term of 15 years, the client becomes the owner of the asset which is insured under the facility.
Shariah compliant
This product complies with the principles of Shariah, and is based on Diminishing Musharakah.
Insurance of asset
The credit facility includes insurance for the asset being acquired.
Long loan tenure
Individuals can enjoy a loan tenure of up to 15 years.
Dedicated relationship manager
Get personalized financial advice from a dedicated relationship manager.
Up to 90% financing
The bank gives financing of up to 90% of the total asset cost.
Service Leasing Financing
Based on the Service Ijarah contract, the Service Leasing Financing is designed to support clients with tax, clearance costs and salary payments, giving them the leeway to pay back in a year.
Shariah compliant
This product complies with the principles of Shariah, and is based on Diminishing Musharakah.
Available yearly
The facility is available every once in a year.
Flexible repayment
Pay in monthly installments for a maximum period of 1 year.
Quick turnaround time
Process is straightforward with a quick turnaround time upon application.