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First Islamic Microfinance Company Limited

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Vendor Finance | Service Detail
Consumer Finance

Advance Against Salary

Turnaround support for financially distressed or "sick" projects — repayment restructuring, capital realignment and a clear, workable path back to viability, built around your actual cash flow.

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Why This Facility

Built for a real turnaround, not a temporary patch

Three things set this facility apart from a standard loan top-up.

Realistic repayment terms

Instalments and tenure are re-set against what the business can actually generate today, not its original projections.

Independent assessment

A dedicated review of the numbers first — the restructuring is shaped around findings, not a generic template.

Capital realignment

Where needed, existing exposure is re-sequenced across facilities so short-term pressure doesn't sink a viable business.

How It Works

Four steps, start to disbursement

1

Submit your case

Share current financials and the specific pressure points you're facing.

2

Assessment

Our team reviews cash flow, existing exposure and the viability of the underlying business.

3

Structuring

A restructuring plan is proposed — revised terms, tenure and, where relevant, fresh facilities.

4

Disbursement

Once agreed and documented, funds and revised terms take effect on a set schedule.

Eligibility

What we look for before structuring a plan

  • An operating business with a genuine, demonstrable path back to viability — not a closed operation.
  • At least 12 months of financial records available for review.
  • Existing exposure documented and disclosed upfront — no undisclosed parallel facilities.
Note: Every restructuring case is reviewed individually. Meeting these points does not guarantee approval — final terms depend on the assessment outcome.

Common Questions

Before you apply

Initial review typically takes 5–10 working days once all requested financials are submitted.
They're taken into account during assessment, but restructuring applies to facilities held with us — disclosure of other exposure is still required.
No. There's no charge to submit a case for review; costs only apply once a plan is agreed and documented.

Need funds before payday?

Share your current position — we'll tell you honestly if restructuring is the right fit.

Start Your Application

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