Riba-Free Commercial Loan Alternatives

Products and Categories for Our Commercial Islamic Financing

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 following categories:

Smiling healthcare professional giving a thumbs-up.

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

Download Forms

For rent sign in front of a suburban house.

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

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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.

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Protecting financial growth concept with hands sheltering a plant growing out of coins.

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

Download Forms

A brightly lit gas station at night with a car parked at one of the pumps.

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

Download Forms

Modern commercial building with large windows and awnings.

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

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Modern apartment buildings with colorful exteriors and outdoor staircases.

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

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Modern glass buildings with steel structures surrounded by green trees under a clear sky.

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

Download Forms

 You can download the commercial and/or non-profit Ijara Application forms: