Riba-Free Commercial Loan Alternatives

Products and Categories for Our Commercial Islamic Financing

IjaraCDC is proud to be listed among the top providers of halal business financing in the United States.

IjaraCDC has developed many relationships with commercial lenders that are willing to provide financing utilizing Islamic financing principles. The type of commercial financing currently offered by our licensed lenders can be broken down into the categories below:

Medical/CPA/Professional

  • Practice portion of financing 100% possible – USA Only
  • Up to 25 years with as little as 5% down payment – USA Only
  • Up to 12 months of no payments during construction possible

Single-Family Investor

  • 1–4 Unit Buildings
  • Zoned Residential
  • Up to 10 Properties per Investor
  • Unlimited Properties per Investor Portfolio Product Available on Limited Basis

Sharia Business Premier 7A (USA)

  • As Little as 5–10% Down Payment
  • Financing $250,000 to $5 Million
  • Up to 25 Years of Amortized Sharia-Compliant Financing
  • Businesses Buying/Refinancing Their Commercial Buildings
  • Property Types: Warehouses, Offices, Restaurants
  • Branded Gas Stations, Flagged Hotels

Debt Refinancing, Business Acquisitions, Inventory Equipment, Working Capital, and Tenant Improvements and Renovations.

Sharia Business Plus 7A (USA)

  • As Little as 10–15% Down Payment
  • Financing $250,000 to $5 Million
  • 7 to 10-Year Amortized Sharia-Compliant Financing
  • Business Financing
  • Debt Refinancing, Business Acquisitions, Inventory, Equipment, Working Capital, and Tenant Improvements and Renovation

Sharia Business Fixed 504 (USA)

  • As Little as 5–10% Down Payment
  • Financing $1 Million to $15 Million
  • Up to 25 Years of Amortized Sharia-Compliant, FIXED RATE Financing
  • Well-Qualified Businesses Buying/Refinancing Their Commercial Buildings
  • Property Types: Warehouses and Offices
  • Debt Refinancing, Tenant Improvements, and Renovations

Sharia Investor Gold

  • Only 20–25 % Down Payment
  • Financing $2 Million–$20 Million
  • Up to 20 Years of Amortized Sharia- Compliant Financing
  • Well-Qualified Investors Buying/Refinancing Their Commercial Real Estate with Long-Term, National Tenants
  • National Tenants with Credit Rating or Equivalent
  • Non-Recourse Available

Sharia Multifamily

  • Only 25–30% Down Payment
  • Financing $1 Million–$25 Million
  • Up to 30 Years of Amortized Sharia-Compliant Financing
  • Multi-family Apartments from 8–300 units
  • Must have > 90% Occupancy for last 90 days
  • US Metropolitan Market Areas with Populations > 250,000
  • Non-Recourse Available

Sharia Investor CRE

  • > 35% Equity/Down Payment
  • Financing $500,000 to $20 Million
  • Up to 20 Years of Amortized Sharia-Compliant Financing
  • Well-Qualified Investors Buying/Refinancing Their Commercial Real Estate
  • > 85% Occupancy
  • Market Rents/Corresponding Long-Term Leases with Tenants
  • Property types: Office Building, Industrial, Retail

For Non-Profits

Established Organization

  • Up to 20 years with 30% down payment, 10 year Balloon Payment
  • Up to 12 months no payments during construction
  • No Personal Guarantees possible
  • $300K – $7 Million

New Organization

  • Up to 20 years with 30 – 40% down payment
  • Will Require Personal Guarantees
  • $300,000 – $1 Million

Begin your application process and download the commercial brochure: