Is it permissible to take a down payment from a buyer due to insufficient capital to provide the required quantity of goods, or for the buyer to transfer the price of the goods directly to the company while the profit margin is transferred to my account without his knowledge of the profit percentage?

There are options for the transaction:

1. First Option (Documentary Credits with the Bank): This option is prohibited if the bank pays a portion of the amount and calculates interest on the amount paid, or in case of late payment, because it involves usury (riba). It is permissible if the importer secures the full price for the bank, in which case the bank acts as an agent for a fee.

2. Second Option (Selling Before Possession): It is not permissible to sell something you do not yet own, based on the Prophet's (peace be upon him) saying: "It is not permissible to combine a loan and a sale, nor two conditions in one sale, nor profit from what you have not guaranteed, nor selling what is not with you." To avoid the prohibition, the company can be the seller and the merchant the direct buyer, and the questioner receives a fee for relinquishing his exclusive agency right, or it can be a brokerage fee. A salam contract can also be concluded under the Sharia-compliant conditions.