IjaraCDC Review — Halal Finance Products

Financing for multifamily apartment complexes of 8–300 units. $1M–$25M, 25–30% down. Long amortization terms, non-recourse options available. Trust-based Ijara structure through 200+ commercial funding sources.

Financing for businesses purchasing or refinancing their operating property. Offices, medical/dental practices, restaurants, warehouses, gas stations, hotels. Also covers acquisitions, equipment, inventory, working capital, and renovations. $250K–$5M, ~5–10% down, up to 25 years. Professional practices sub-program: ~5% down, construction/build-outs possible with payment deferral.

Financing used to buy a home or replace an existing home loan.

Convert an existing conventional auto loan into a Shariah-compliant Ijara (lease-to-own) structure. Available across Canada. Full auto purchase financing is in development. Trust-based structure — payments go to Ijara via ACH.

Sharia-compliant commercial real estate financing for well-qualified investors whose properties are leased long-term to national tenants with a credit rating or equivalent (Sharia Investor Gold program). $2M–$20M with only 20–25% down and up to 20 years of amortized financing. Non-recourse available.

Sharia-compliant financing for masjids, Islamic schools, and Muslim nonprofit organizations. Established organizations: $300K–$7M, 30% down, up to 20 years with a 10-year balloon, up to 12 months of no payments during construction, no personal guarantees possible. New organizations: $300K–$1M, 30–40% down, personal guarantees required.

Sharia-compliant financing for large commercial properties (office buildings, retail centers, industrial properties) using a trust-based Ijara structure. $500K–$20M, 35%+ equity required, long-term leases required. 200+ commercial funding sources.