What is Islamic SMEs Finance ?
Islamic corporate financing is a Sharia-compliant system that focuses on profit and risk-sharing instead of interest-based lending. Key financing modes include Musharaka, where both the bank and the client share capital and profits, and Mudaraba, where the bank funds the business while the client manages it. Murabaha is used for asset purchases, where the bank buys and sells the asset at a pre-agreed profit margin. Additionally, Salam and Istisna’a finance industrial and agricultural production in advance, while Ijara allows leasing equipment or real estate with an option for ownership. These financing methods ensure fairness and transparency, as both parties share risks and profits based on contract terms. Islamic financing helps businesses access funds without interest, promoting sustainable economic growth. It also provides ethical alternatives suitable for various industries, making it an ideal choice for companies seeking Sharia-compliant and responsible financing.
What is The SMEs financing conditions ?
There are many financing programs available within banks, most of which require the company to have been established for one to three years and to have financial statements. The financing is provided either on an annual basis with renewal or in installments over three to five years, particularly for funding machinery, equipment, or vehicles related to the business.
What is the Required documents ?
Basic Documents for All Types of Financing: Commercial Registration , Tax Card, Company’s Articles of Incorporation , Lease or Ownership Contracts for Business Premises (Notarized)& Identification Documents (National ID or passport of shareholders/owners).
What is Investment?
Investment is the process of allocating money or resources into a project or asset with the goal of generating financial returns or long-term growth. It can take various forms, such as purchasing stocks, launching new ventures, expanding into new markets, or funding startups. The primary objective of investment is to achieve future profits by increasing asset value or earning periodic returns, such as dividends or interest. Investment plays a crucial role in economic growth for both individuals and businesses, as it helps develop industries, create job opportunities, and drive innovation.
What are the steps to obtain an investment?
Securing investment requires careful planning and preparation. The journey begins with developing a strong business plan that clearly outlines your vision, business model, market analysis, and growth opportunities, helping to convince investors of your project's potential. Next, you need to identify the right type of investment, whether from angel investors, venture capital funds, or financial loans, depending on your company’s needs. The next step is to prepare a compelling pitch deck—a professional and concise presentation that highlights your business idea, target market, competitive advantage, and expected returns for investors. Once you have a solid pitch, you should search for the right investors through business networks, industry events, or investment platforms, focusing on those interested in your sector. After attracting investor interest, you move to the negotiation and deal closure stage, where you discuss investment terms, equity distribution, and partnership agreements to secure the best deal for your company. Once funding is secured, it is crucial to execute the investment effectively, using the capital wisely to develop products, optimize operations, and expand into new markets, ensuring sustainable growth and profitable returns for investors. By following these steps, you can secure the investment needed to achieve your goals and expand globally.
What is our role?
Our role is to facilitate your access to investors and investment funds, increasing your chances of securing the right financing to grow your business. We assist you in preparing a professional business plan that clearly presents your vision, business model, and market analysis, making your project more attractive to investors. Additionally, we conduct a fair and transparent valuation of your company, ensuring its true value is accurately reflected based on its potential and growth opportunities. Furthermore, we provide due diligence services, thoroughly reviewing your company’s financial, legal, and operational aspects to ensure full readiness before negotiating with investors. With our expertise and strong market connections, we support you at every stage of the investment process—from identifying the right investors to successfully closing the deal. Our goal is to help you secure the investment that fuels your expansion and long-term growth
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What is Islamic Auto Finance ?
Car Murabaha is an Islamic financing method that allows individuals to purchase vehicles without resorting to conventional interest-based loans. This process involves the bank first purchasing the car from the seller and then selling it to the customer at cost price plus a pre-agreed profit margin. The payment can be made in installments or as a lump sum, making the transaction fully compliant with Islamic Sharia law.
What is The Auto financing conditions ?
Financing is done in monthly installments of up to 5 years at an interest rate of 17% annually, and a minimum of 20% is paid in advance of the car price.
What is the Required documents ?
ID card, HR letter, car price offer & Utility Bill (Electricity or Water)