Trade & Working Capital Finance
Trade & Working Capital Finance
Empowering Your Business with Seamless Cash Flow Solutions
At Ajman Bank, we understand that managing cash flow and funding trade cycles are critical to your business success. Our Trade and Working Capital Finance solutions are designed to support your day-to-day operations, facilitate local and international trade, and help you seize growth opportunities while staying fully aligned with Shari’ah principles.
Solutions Offered
- POS Finance
- Receivable Financing
- Short-term Murabaha Facilities
- Islamic Covered Drawing (ICD)
- Finance Against the Proceeds of Sales Invoice
- Inventory / Stock Financing
Trade Finance Solutions
- Import Murabaha (LC-based or Collection-based)
- Export Financing (Pre-shipment and Post-shipment)
- Letters of Credit (LCs) – Sight & Usance
- Letters of Guarantee (LGs)
- Documentary Collections
Backing Your Business Every Step of the Way
Whether you´re importing raw materials, exporting finished goods, or managing seasonal cash flow, Ajman Bank is here to support your journey with ethical, efficient, and empowering financial solutions.
Eligibility
- Limit for working capital up to 15 Million for TWC
- Minimum Length of Business: 3 Years
- Acceptable Al Etihad Credit Bureau Reports for Obligor (SME) and Guarantor / Active Partners
- Acceptable Central Bank Risk Bureau Reports: Normal Classification
- * Other eligibility criteria, terms and conditions apply
Documents You´ll Need
- KYC documents for Business and Individuals
- Bank statement-based limits: 12 months of bank statements
- 3 years audited financial statements for Trade & Working Capital Finance
- VAT registration certificate
- * Additional documents may be requested according to Ajman Bank policies and procedures. Document requirements may vary depending on company structure and facility requirement
