South Africa
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Shari’ah Commercial Property Finance

Shariah compliant-commercial property image

Get this cutting edge Shari'ah-compliant property finance solution based on the principle of Diminishing Musharaka. In essence, we enter into a partnership agreement with you, where you gradually buy all of our shares. Our ownership of the property gradually decreases as your ownership increases. Until you own the property out right

KEY FEATURES
  • Buy Back solution that allows you access to the additional payments made to your facility.
  • Commercial Investments and Owner-Occupied finance
  • Purchase and refinance (including capital raising)
  • Competitive pricing
  • Financing of up to 70% of the property value or purchase price, whichever is the lower
  • Minimum financing amount of R5 million
HOW TO GET IT
  • KEY FEATURES
  • HOW TO GET IT
  • Buy Back solution that allows you access to the additional payments made to your facility.
  • Commercial Investments and Owner-Occupied finance
  • Purchase and refinance (including capital raising)
  • Competitive pricing
  • Financing of up to 70% of the property value or purchase price, whichever is the lower
  • Minimum financing amount of R5 million
Shari'ah Banking certificates
We also offer
Shariah Forward Exchange Contracts product image
Shari’ah Forward Exchange Contracts (FEC)

The first Shari’ah-compliant FEC in South Africa to be contracted under the ISDA (International Swaps and Derivatives Association) Tahawwut Framework. This product allows you to hedge out your real foreign exchange (FX) risks in a Shari’ah-compliant manner.

Shariah Merchant Capital Cash Advance product image
Shari'ah Merchant Capital Cash Advance

Merchant Capital is a leading provider of alternative working capital solutions to SMEs in South Africa, having assisted thousands of retail businesses with millions in funding. A Shari'ah-compliant option is now available.

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