Financing Examples - ijaraCDC

Financing Examples

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 minimum of 51% of space
Construction Possible with no payments up to 1 year
Max 10 years without Real Estate
Refinance Possible