Ijarah Financing
Rent the equipment and vehicles your business needs today, and own them tomorrow. A flexible, Shariah-compliant lease-to-own model designed to preserve your working capital.
Access productivity without capital drain
Ijarah refers to the transfer of the usufruct (right to use) of an asset to another person in exchange for rent. Under FIMCL's Ijarah model, we purchase the asset you need and lease it to you for a fixed period.
The risk of ownership remains with FIMCL throughout the lease tenure. At the end of the lease period, the ownership of the asset is transferred to you through a separate contract (Ijarah wa Iqtina), making it a secure and Halal way to acquire expensive business tools.
Why this matters for you
- Preserve cash flow by avoiding large upfront asset purchases
- FIMCL bears the risk of major asset destruction/damage
- Fixed rental schedules for easier budgeting
- Smooth transition to full ownership at tenure completion
What can you lease with Ijarah?
Perfect for financing productive, non-consumable assets that hold value over time.
Why lease with us?
Shariah Compliant Rentals
Rent only starts once the asset is handed over to you in working condition, not from the date of payment.
Takaful Coverage
Assets are covered under Islamic insurance (Takaful), managed by FIMCL as the asset owner, ensuring your operations remain risk-free.
Transparent Transfer
We execute the promise of ownership transfer cleanly at the end of the term, with no hidden balloons or complex paperwork.
Upgrade your business assets today
Contact us to see how Ijarah can accelerate your business growth without stressing your cash flow.