Bai’ Al Dayn Working Financing-i (BWCF)

Bai’ Al Dayn refers to the sale of a debt arising from trade and services transaction in the form of a deferred payment sale. The customer sells this debt to the Bank at a discount.


Customer gets paid from the Bank before realization of the sale.


The cost must be revealed;
The price and tenure of the lump-sum deferred payment must be agreed upon by the Bank and the customer;
The Bank appoints customer as an agent to sell on its behalf;
Only trade transaction on usance term is allowed;
Financing for finished goods.

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2024-06-13 08:48:21