Asaxiy Invest introduces a murabaha model for businesses

**Asaxiy Invest introduces the Murabaha model for businesses**

There is a high demand for additional funds for business development in Uzbekistan. Entrepreneurs may need new equipment, raw materials for production, or goods to expand trade. However, paying for the necessary purchases in one go puts pressure on working capital, and traditional financing does not correspond to the values of every entrepreneur. The B2B Murabaha model introduced by Asaxiy Invest for businesses offers a solution to this need.

Murabaha is not a loan with interest, but a purchase and sale transaction. The process begins with the identification of goods, raw materials, or equipment that a business needs for its activities. Once the application is approved, Asaxiy Invest first purchases the required product on its own behalf and transfers it to its ownership. After that, the product is sold to the business on an installment basis at a predetermined final price, plus an agreed mark-up.

The important point for the entrepreneur here is that the purchase price, margin, payment term, and obligations of the parties are clearly defined in the contract. That is, the transaction is not based on the income from the money itself, but on the sale of a real asset. The amount and term of financing for each project are agreed individually based on the needs and capabilities of the business.

Cooperation is carried out in four stages. First, the entrepreneur submits an application about his business and purchase needs. Then the Asakhiy Invest team analyzes the business model, financial indicators, market potential, and existing risks. If a positive conclusion is given, the investment amount, term, payment method, and obligations are agreed. After the contract is signed, the process of purchasing the required product and selling it to the business on a murabaha basis begins.

The application process is simple: the entrepreneur submits a brief description of his business and financing needs. The Asakhiy Invest team reviews the application, requests additional information if necessary, and contacts the entrepreneur about the next steps.

When submitting an application, the main focus is on clearly explaining what purpose the requested financing will serve for the business. The entrepreneur briefly indicates how the planned purchase will help expand activities, increase production capacity or improve operational processes. This information serves as a starting point for further communication with the Asaxiy Invest team.

The assessment is not limited to just one number. First of all, attention is paid to whether the product or service margin is sufficient to cover business expenses and operate sustainably. Monthly net profit, existing credit and other payments, and the ability to fulfill new obligations on time are also analyzed.

Transparent cash flow is of particular importance. Income confirmed through a bank account, card and other official sales channels shows the real turnover of the business. The requested amount should be proportional to the monthly sales volume, cash flow and existing debt. The amount of capital is determined based on the financial indicators of the business, the purpose of the purchase, the project potential and risks. For this reason, each application is considered individually.

In the B2B murabaha model, instead of an interest-bearing loan, the actual sale of a permitted product is carried out. Asaxiy Invest purchases the product and takes ownership of it before selling it to the business. The goods, their price, premiums and payment terms are known to the parties in advance. Contracts are intended to be concluded voluntarily, clearly and without hidden conditions, and trade is limited to activities and products permitted in Islamic finance.

According to Asaxiy Invest, the company's investment and foreign exchange trading services comply with the international AAOIFI standards for Islamic financial institutions. The relevant contracts have been reviewed by the Criteria Council and approved by a certificate of compliance. The company's activities are monitored by Islamic law scholars and specialists under the Council.

B2B murabaha allows an entrepreneur to spread the cost over an agreed period instead of paying for a large purchase in one go. As a result, working capital can be saved for daily operations, reserves and growth tasks, and the necessary equipment or raw materials can be attracted without delay. A predetermined price and payment schedule simplify financial planning.

Another important benefit of the model is the allocation of funds to real economic activities. Investor capital covers the real commercial needs of the business, and the entrepreneur receives a transparent financial solution that is consistent with his values. This approach unites the interests of the business, investors and the market around a real product.

Entrepreneurs who want to take advantage of the B2B murabaha opportunity through Asaxiy Invest can leave an application in the “For Businesses” section of the asaxiyinvest.com website. You can also contact us directly at (+998) 78-555-05-22 or via the Telegram bot. The team will review the application and contact the entrepreneur about the next steps.

Based on advertising rights.