Financing Examples

Offering Our Islamic Financing Services to These Businesses

Commercial Finance Examples

To help you better understand what type of financing is the best fit for a specific use, the following examples may help you understand which Islamic finance methodology fits best. As you can see, anything long term with a tangible asset is best suited by the Ijara method.

Gas Station

Merchandise/Inventory =>  Murabaha
Business (Good Will) => Musharaka
Property/Pumps/Shelving/Coolers => Ijara

  • Minimum 15% down, up to 26-year financing available
  • Construction possible with no payments up to 1 year
  • Max. 7 years without real estate
  • Refinance possible

Medical Office

Medical Supplies/Medicines =>  Murabaha
Value of Practice => Musharaka
Property/X-Ray/Lab Equipment  => Ijara

  • Practice financing with as little as 0% down
  • Minimum 5% down, up to 26-year financing available
  • Construction possible with no payments up to 1 year
  • Max. 7 years without real estate
  • Must occupy at least 51% of space
  • Refinance possible, rates as low as 2.75%

Grocery Store

Merchandise/Inventory =>  Murabaha
Business Itself => Musharaka
Property/Registers/Shelving/Coolers => Ijara

  • Minimum 10% down, up to 26-year financing available
  • Must occupy a minimum of 51% of space
  • Construction possible with no payments up to 1 year
  • Max. 10 years without real estate
  • Refinance possible