Equipment Finance
Acquire the equipment, machinery, and business tools you need to improve productivity and grow your business through flexible, asset-backed financing.
Special Banking
Tailored financial solutions designed to meet specific personal, business, and lifestyle needs
Apply for a Special Account
Discover flexible features designed to make banking easier and more rewarding.
Murabahah (Cost-Plus Finance)
A Shariah-compliant financing solution that enables customers to purchase business assets, equipment, inventory, or raw materials. Esteem Bank purchases the asset and sells it to the customer at an agreed profit margin with flexible repayment terms.
Benefits
Transparent pricing with an agreed profit margin- Flexible repayment options
- No interest-based financing
- Supports business growth and expansion
- Ideal for purchasing business assets and inventory
Ijarah (Lease Finance)
Acquire equipment, machinery, vehicles, or other assets through a Shariah-compliant leasing arrangement. Esteem Bank purchases the asset and leases it to you for an agreed rental over a specified period.
Benefits
- Access to quality assets without high upfront costs
- Flexible lease terms
- Preserves working capital
- Shariah-compliant asset financing
- Suitable for businesses and individuals
Musharakah (Partnership Finance)
A partnership financing structure where Esteem Bank and the customer jointly contribute capital to finance a business or investment project while sharing profits and risks in accordance with Shariah principles.
Benefits
- Shared investment and business risk
- Encourages business growth and expansion
- Transparent profit-sharing arrangement
- Suitable for new and existing businesses
- Supports long-term investment projects
Istisna' (Construction & Manufacturing Finance)
Finance construction, manufacturing, and infrastructure projects through a customised Shariah-compliant contract that supports the development of assets according to agreed specifications.
Benefits
- Supports construction and manufacturing projects
- Flexible financing throughout project execution
- Asset-backed and Shariah-compliant
- Suitable for infrastructure development
- Tailored to meet project-specific requirements
Wakalah (Agency Finance)
A trade finance solution where Esteem Bank acts as your trusted agent to facilitate import transactions, Letters of Credit, and other trade-related services.
Benefits
- Simplifies international trade transactions
- Professional handling of trade documentation
- Secure import and export financing
- Reduces operational complexity
- Dedicated trade finance support
Kafalah (Bonds & Guarantees)
Obtain Shariah-compliant guarantees and bonds to support contracts, tenders, and commercial obligations, helping your business build credibility and confidence.
Benefits
- Enhances business credibility
- Supports government and corporate contracts
- Strengthens customer and supplier confidence
- Facilitates participation in tenders
- Secure and reliable guarantee services
Home Finance
Own your dream home through ethical, Shariah-compliant home financing solutions designed with flexible repayment options to suit your lifestyle.
Benefits
- Enhances business credibility
- Supports government and corporate contracts
- Strengthens customer and supplier confidence
- Facilitates participation in tenders
- Secure and reliable guarantee services
Vehicle Finance
Drive away with confidence using our Shariah-compliant vehicle financing solutions for new or pre-owned vehicles with convenient repayment plans.
Benefits
- Enhances business credibility
- Supports government and corporate contracts
- Strengthens customer and supplier confidence
- Facilitates participation in tenders
- Secure and reliable guarantee services
Education Finance
Support your educational aspirations with financing solutions designed to help cover tuition fees and other approved education-related expenses in line with Islamic finance principles.
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