Pakistan ka pehla
B2B BNPL

By leveraging in-house technology and close supply chain partnerships, MUAWIN’s end-to-end digitally operated products provide a helping hand across traditional, digital and ride hailing segments.

Munafa

Tailored for small retailers, offering them easy access to credit for their working capital requirements.

Read Murabaha Agreement

How it Works

Working capital is offered in the form of inventory which the retailer can order and receive in advance of any payments.

How it Benefits

By helping free up cash on hand to cover essential expenses, small retailers can offset their working expenses.

For Retailers

Flexible Working Capital

Access to more products, buy more - sell more.

Convenient Payments

Easily pay with multiple options including e-wallet, cash, cheque, bank transfer and more.

Shariah Friendly

Access to inventory on Islamic credit with fixed service fees.

Quick Processing Time

All working capital applications processed within 5 hours, with the inventory delivered within 48 hours of the retailer accepting the offer.

Flexible Payback Tenures

Flexible tenure to match individual retailer needs, allowing easier rotation of stock.

Credit Limit Rewards

Good payment behaviour means higher and higher limits leading to greater profits.

For Partners

Higher SKU Penetration

Encouraged retailers buy more unique products, thereby increasing partners SKU penetration.

Increased Sale Volume

Encouraged retailers buy more unique products, thereby increasing partners SKU penetration.

Customer Retention

Retailers feel inclined to build upon a relationship with partners for continued growth.

Sahulat

Designed for gig economy workers, offering them easy and smart access to fuel financing for all their mobility needs.

Read Murabaha Agreement

How it Works

Access to fuel on credit is provided through one of our fuel partners.

How it Benefits

Gig-economy workers can complete more rides, which in turn generates them more income.

For Retailers

Access to Fuel Credit Cards

Free up cash-crunch with more working capital.

Convenient
E-Top Ups

Digitally manage fuel limits and payments.

Shariah
Friendly

First of its kind Shariah Friendly credit.

Credit Limit
Rewards

Good repayment behaviour leads to greater limits plus royalty rewards.

Increased
Mobility

With an increase in mobility capacity, riders can complete more rides and deliveries.

For Partners

Customer Loyalty

With access to more unique services, partner’s agents are like to grow further with the platform.

Higher
Ratings

End-users benefit from more and easier access to rides, driving positive outlook for the platform.

Healthier Competition

With more working capital freed up, partner’s agents aspire to compete for more rides.

Kashtkar

Tailored for the agri-community, offering all members in the supply chain access to credit from purchase to end-sale of farming inputs.

Read Murabaha Agreement

How it Works

Working capital is offered in the form of inputs which the farmer can order and receive in advance of any payments.

How it Benefits

By helping free up cash on hand to cover essential expenses, farmers can offset their working expenses.