A kafalah agreement that becomes effective upon occurrence of some future event. The guarantor (kafeel) will not provide kafalah coverage unless a certain incident happens. For example, a person may agree to guarantee another if the latter lends a specific amount to a designated person. Also, a person may offer to guarantee another person three months from now (in this particular meaning, the contract is called a time-based kafalah). Not all schools of Islamic law permit time-based kafalah.

It is also referred to as kafalah mudhafah.