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Shariah-Compliant Working Capital Financing for Businesses

Need working capital to buy stock, manage cash flow or keep day-to-day operations moving? The KCB Sahl Working Capital Facility supports eligible corporate, SME and micro business clients with Shariah-compliant financing for short-term business needs.

The facility can support stock purchases, supplier payments, operating expenses and cash-flow gaps. Depending on the approved transaction, financing may be structured using Liquidity Murabaha, Murabaha or Diminishing Musharaka.

Features

Buy stock and inventory

Respond to demand without pressuring cash reserves.

Manage cash-flow gaps

Bridge timing gaps between expenses and collections.

Support supplier payments

Meet obligations and maintain business relationships.

Available to different business sizes

Corporate, SME and micro business clients.

Cash or stock support

Structured to suit your underlying business need.

Shariah-compliant business financing

An approved structure, not a conventional interest-led facility.

What We Need From You*

  • Business registration or incorporation documents
  • Identification and KRA PIN information for owners, directors or authorised signatories
  • Business financial information and account statements appropriate to the facility amount
  • Information showing the working capital need, such as stock, supplier or operating requirements
  • Security documentation where applicable

A KCB representative may contact you for further information in line with KYC requirements. KCB will never ask you for your PIN or password.

Rates & Fees*

  • Documentation fee - 2.5%.
  • Risk Margin - 0.54%.
  • Competitive Profit Rate.

Rates, fees, charges and product terms may change. Please refer to the latest KCB tariff guide or speak to a KCB representative before applying.

It's financing that helps a business fund short-term operational needs such as buying stock, paying suppliers or managing cash-flow gaps. The KCB Sahl Working Capital Facility is built for exactly this kind of business need.

The KCB Sahl Working Capital Facility can provide support in the form of cash or stock for eligible business clients who need to purchase inventory without straining their cash reserves.

KCB offers the Sahl Working Capital Facility for eligible corporate, SME and micro business clients through KCB Sahl Banking.

Yes. Depending on the approved transaction, the facility may be structured under Liquidity Murabaha, Murabaha or Diminishing Musharaka, subject to KCB's assessment.

The facility targets business clients, including corporate, SME and micro businesses, looking to enhance their operations, subject to KCB assessment.

Yes. Current product information indicates the facility can take the form of cash or stock, structured to suit your underlying business need.

Listed charges include a 2.5% documentation fee, 0.54% risk margin and a competitive profit rate. Confirm the latest applicable charges with a KCB representative before applying.

You may see this referred to as a "loan" in everyday search, but KCB Sahl positions this as a facility structured under Shariah-compliant contracts rather than a conventional interest-based loan.

Requirements depend on your business type, facility amount and structure. Request a callback so a KCB representative can confirm exactly what you'll need.

Request a callback through the product page or speak to a KCB representative to confirm your eligibility, facility structure, fees and next steps.

Request a callback through the product page or speak to a KCB representative to confirm your eligibility, facility structure, fees and next steps.