Corporate Finance and Foreign Trade

Murabaha Finance Services for Companies

Goods Finance

Your inventory is stronger... and your business grows!

It is a specialized Islamic financing solution to enable owners of commercial, industrial, and professional projects to support their working capital and enhance their commercial inventory. This product allows you to purchase commercial goods and raw materials according to financing formulas that are fully compliant with the provisions of Islamic Sharia, which ensures your business continuity and meets your customers' needs efficiently and without interruption.

Key Features

Exceptional and multiplied financing: The bank gives you strong financial backing to support your inventory and cover shortages, with a large financing volume that matches your financing needs in line with the income statements of the documented activity.

Support and diversity of sectors: The financing covers a wide range of needs (various commercial goods and raw materials for different facilities).

Maintaining continuity of activities: It helps you exploit commercial opportunities and provide goods during high-demand seasons without draining your current cash liquidity.

Easy repayment plans: Comfortable and flexible repayment options and monthly, quarterly, or semi-annual installments that fit your business sales cycle and cash flows.

Service available everywhere: You can benefit from this financing by submitting your application at any of the bank's branches spread across all governorates.

Parameters and Conditions (Financial Limits)

Ceiling calculation criterion: The volume of granted financing is calculated based on financial solvency and the adequacy of the provided guarantees/collaterals.

Maximum financing limit: Unspecified (according to the actual needs of the project).

Minimum financing limit: Starts from 50 million for all target groups.

Documents and Provisions: Submitting the financing application accompanied by the required documents (such as proof of income, proposed guarantees/collaterals, commercial and industrial registration, real estate solvency), and the application is subject to the study and credit regulations approved by the bank.

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Real Estate Finance

This product meets the financing needs of customers who have a fixed income to purchase (lands, ready-made real estate, under-construction/skeleton real estate).

Key Features and Conditions of the Product

Profit rate: Preferential, starting from 9.25% annually.

Reduction of the minimum financing amount.

Financing duration: Reaches up to 84 months.

Financing: Reaches up to 75% of the real estate price.

Profit: Fixed and does not change throughout the financing period.

Minimum financing amount: /5/ million Syrian Pounds.

Guarantees/Collateral

The real estate itself, or any other real estate acceptable to the bank, or a cash guarantee.

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Machinery and Equipment Finance

This product meets the financing needs of customers to purchase production lines and machinery, and this financing falls under the types of production financing provided by the bank.

Key Features and Conditions of the Product

Financing duration: 24 months, and the financing duration can be increased up to 60 months if a cash or in-kind guarantee/collateral is available.

Minimum financing amount: 500 thousand Syrian Pounds.

Financing percentage: 75% of the total price.

Guarantees/Collateral

An in-kind or cash guarantee/collateral.

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"Grow Your Business"

One-time Murabaha financing for small and medium enterprises, existing and new, to purchase productive assets or rehabilitate existing ones, in Syrian pounds.

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Ijarah Finance Service for Companies

Services Ijarah

Coming Soon

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Foreign Trade

Documentary Credits

Cham Bank offers premier services in both Outward Letters of Credit (Import L/Cs) and Inward Letters of Credit (Export L/Cs) of all types. The Bank provides issuance services for Sight L/Cs, Deferred Payment L/Cs, Back-to-Back L/Cs, Transferable L/Cs, Revolving L/Cs, and Advance Payment (Red Clause) L/Cs, among others, alongside Standby Letters of Credit (Standby L/Cs), in strict compliance with applicable regulatory frameworks.

Trade Finance via Letters of Credit

Among the core international trade solutions offered by Cham Bank is importer financing under documentary letters of credit. This structured trade finance service is executed through the Murabaha to the Purchase Orderer (Deferred Murabaha) structure; whereby the Bank purchases and takes legal possession of the underlying commodities/goods, subsequently reselling them to the client (the importer) on a deferred payment basis. The Murabaha installments are then amortized and collected from the importer over an agreed tenor, providing the client with the necessary window to commercialize the goods. This specialized banking facility is meticulously designed by Cham Bank to optimize and streamline international trade activities for corporate clients.

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Letters of Guarantee

A Letter of Guarantee is an irrevocable legal and financial undertaking issued by the Bank at the request of the applicant (the guaranteed party) in favor of a third party (the beneficiary). Under this instrument, the Bank is unconditionally obligated to pay the guarantee amount upon first written demand without any delay. Letters of Guarantee serve as the optimal practical alternative to cash deposits required to fulfill contractual and commercial obligations. They are issued either against extended credit facilities granted to the client or secured by a 100% full cash margin.

Key Advantages

Smart Alternative to Cash Collateral: Optimizes your cash flow and working capital by preventing the freezing of liquid funds as direct project security.

Enhanced Solvency, Credibility, and Competitiveness: Grants your business high credibility and substantial trust before beneficiaries (both public and private sectors), as the commitment is backed by a financially sound and compliant banking institution.

Bid Bond and Tender Participation Support: Enables you to efficiently meet preliminary terms and successfully bid on public and private procurement tenders and projects.

Integrated Local and International Solutions: The Bank offers flexible capabilities, including the issuance, advising, and confirmation of letters of guarantee both locally and globally through an extensive correspondent banking network.

Flexible Collateral Structures: Guarantees can be structured and issued based either on a customized credit facility assessment tailored to your business operations or secured via a cash margin lockup.

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Documentary Collections

Cham Bank offers comprehensive outward and inward collection services of all types, including Documents Against Payment (D/P) and Documents Against Acceptance (D/A), whether clean, co-accepted, or avalized. Furthermore, the Bank facilitates the settlement of these shipping documents through all approved payment methods, in strict compliance with applicable laws and regulatory frameworks.

Trade Finance via Documentary Collections

Among the premier international trade solutions offered by Cham Bank is importer financing under documentary collections. This structured trade finance service is executed utilizing the Murabaha to the Purchase Orderer (Deferred Murabaha) structure; whereby the Bank purchases and takes legal possession of the goods, subsequently reselling them to the client (the importer) on a deferred payment basis. The Murabaha installments are then collected from the importer over an agreed tenor, providing the client with the necessary window to commercialize and dispose of the commodities. This specialized banking facility is meticulously designed by Cham Bank to streamline international trade activities for corporate clients.

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