Within the precepts of the Wakala concept, the customer (Finance requester) is appointed as an agent of the Financial institution (Al-Falaah), with an undertaking that the funds invested are utilized for business transactions to earn profits, as agreed in the Wakala agreement. The agent is provided with short term finance as specified in the Wakala agreement to which repayment methods with Investment and profit returns are flexible.

This model is most suited for short-term business and working capital requirements.