Structure Business Purchases Around Agreed Profit

Murabaha Finance enables businesses to purchase goods through a cost-plus-profit sale arranged with a participating Islamic financial institution.

Explore Murabaha Finance

Connect Goods Purchases to a Cost-Plus-Profit Arrangement

Murabaha Finance follows a disclosed cost-plus-profit structure. The buyer and participating financial institution agree on the transaction terms, including the purchase cost, profit margin and deferred payment arrangement.

Fauree provides the digital workflow connecting buyer and supplier information, purchase records, invoices and financing activity. The participating institution makes the financing decision and is responsible for the contractual arrangement. Shariah compliance is determined by the institution and its Shariah board.

FaureeFinancial InstitutionSupplierBusinessFundsRepaysPaymentDeferredGoods delivered
Key Benefits Across The Ecosystem
Understand the Purchase Cost
Review the agreed cost and profit margin before entering the sale arrangement.
Connect Purchases to Financing
Link purchase orders and invoices to the financing workflow.
Manage Deferred Payments
Track payment obligations according to the agreed terms.

How Murabaha Finance Works

Anchor & Financier
Sign MMFA & AA.
Anchor Customer
Create Purchase Order (PO).
Financier
Approve PO (optional).
Supplier
Prepare and deliver goods.
Anchor Customer
Receive goods, create DO (with picture attachment).
Anchor Customer
Murabaha transaction auto-generated (Sale & Purchase Agreement).
Financier
Disburse payment to Supplier.
Supplier
Submit invoice against DO.
Anchor Customer
Approve invoice.
Anchor Customer
Settle payment on due date.

One Digital View of the Murabaha Finance Programme

Fauree connects purchase information, supplier invoices, agreed sale terms and repayment records in one digital environment, supporting visibility across the transaction lifecycle.

Explore the Platform
Customer PortalAdmin Anchor Company5User : AdminSDashboardAll OrganisationsAll SuppliersSelect Date RangeTotal Suppliers1Active on platformOnboarded Suppliers1100% onboardedApproved Invoices675% approval rateEPRs675% of invoicesPayment ForecastOutbound · this yearOutboundInboundMonthly40K30K20K10K0No outbound payments forecastJanFebMarAprMayJunJulAugSepOctNovDecInvoice FinancingFinanced Invoices75%Non Financed Invoices0%Platform Generated Invoices100%Invoices OverviewCOUNTAMOUNTInvoices Submitted20Invoices Accepted · EPRs Open00EPRs Submitted00EPRs Approved · Not Paid00EPRs Paid · Invoice not Settled00Invoice Paid · Settled677.5KInvoice Overdue10Invoices Financing StatusNet financing position-65.9K75%FinancedFinanced Invoices75%6Non-Financed Invoices0%0Settled Amount77.5KFinanced 75%Non-Financed 0%Supply Chain OverviewPOsDOsInvoices129630JanFebMarAprMayJunJulAugSepOctNovDecTop SuppliersTotal EPRs this year1Shanza SupplierShanza Anchor65,866.50Supplier OnboardedSuppliers1086420JanFebMarAprMayJunJulAugSepOctNovDecDashboardSuppliersPurchase OrdersDelivery OrdersInvoicesEarly Payment RequestsReportsSettingsUsers ManagementSession ManagementSupportNotificationsEPR approved for INV-88213New supplier onboardedInvoice overdue: 1

The Murabaha Finance Workflow

Murabaha Finance connects businesses, suppliers and participating financial institutions through a structured, cost-plus-profit financing arrangement.

  1. 01Corporate AgreementThe buyer and bank agree on the Murabaha terms.
  2. 02IntegrationFauree connects with the buyer’s ERP system to support the transaction workflow.
  3. 03Goods PurchaseThe goods are purchased under the agreed arrangement.
  4. 04Invoice and PaymentThe supplier invoices through Fauree, and the bank disburses funds according to the agreed process.
  5. 05Ownership and PaymentThe goods are sold to the buyer at an agreed price, payable on deferred terms.
  6. 06No Interest (Riba)The transaction follows the participating institution’s approved Islamic finance structure.
  7. 07TransparencyThe profit margin is disclosed upfront.
  8. 08Asset-BackedThe transaction is linked to the underlying goods.
  9. 09Non-SpeculativeThe financing supports tangible goods purchases rather than speculative activity.

Why Fauree for Murabaha Finance

Digital infrastructure connecting goods purchases, transaction records and participating financial institutions through a structured workflow.

01

Built Around Purchase Records

Connect buyer requests, supplier information and invoices to the transaction.

02

Connected to Financial Institutions

Support digital workflows while credit decisions and contractual responsibilities remain with the institution.

03

Structured Transaction Information

Maintain records of purchase costs, agreed profit margins and payment terms.

04

Visibility Through Repayment

Track transaction records and payment obligations throughout the lifecycle.

Murabaha Finance, Explained Clearly

Choose a question
For further queriesTalk to Fauree

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Build a Murabaha Finance Programme

Connect businesses, suppliers and participating Islamic financial institutions through a structured digital trade-finance workflow.

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