Islamic Business Finance
Commercial Property Finance the Halal Way
Grow your business with Sharia-compliant commercial finance. Up to 75% LVR for retail, office, industrial, and mixed-use properties across Australia.
Halal Commercial Property Finance
Building your business empire shouldn’t mean compromising your faith. Our Sharia-compliant commercial asset finance helps Australian Muslim business owners and investors acquire commercial properties through ethical, interest-free financing.
Why Choose Islamic Commercial Finance?
100% Sharia-Compliant: Our Ijarah Finance structure has been approved by Islamic scholars. You’re not paying interest – you’re paying rent that builds towards ownership.
Competitive LVR: Access up to 75% of the property value with just a 25% deposit, giving you the leverage to grow your property portfolio.
Flexible Documentation: Whether you have full financial documentation or prefer a streamlined Low Doc approach, we have options to suit your situation.
Types of Commercial Properties We Finance
- Retail Spaces – Shops, shopping centres, and retail outlets
- Office Buildings – Single offices to multi-storey commercial buildings
- Industrial Properties – Warehouses, factories, and distribution centres
- Mixed-Use Developments – Properties combining retail, office, and residential
- Medical & Professional Suites – Clinics, dental practices, and specialist rooms
- Hospitality Venues – Restaurants and cafes (halal businesses)
How Ijarah Commercial Finance Works
- Application – You identify a commercial property and apply for finance
- Approval – We assess your application and provide approval in principle
- Purchase – We purchase the property based on the agreed structure
- Lease Period – You lease the property from us, with payments building equity
- Ownership Transfer – At the end of the term, full ownership transfers to you
Eligibility Requirements
- Minimum 25% deposit
- Australian residents or citizens
- ABN for business owners
- Property must be in an approved location
- Full Doc or Low Doc options available
Get Started Today
Ready to secure your commercial property through ethical Islamic finance? Contact our commercial finance specialists for a confidential assessment of your needs and borrowing capacity.
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What Our Commercial Asset Finance Clients Say
"Halal Loans helped us purchase our first commercial property for our medical practice. The Ijarah structure was clearly explained, and the approval process was efficient."
"We bought a warehouse for our importing business. The team understood our needs as business owners and found a solution that worked for our situation."
"As a self-employed business owner, I appreciated the Low Doc option. Halal Loans made commercial property ownership accessible without compromising my values."
Take the Next Step
Ready to Achieve Halal Commercial Asset Finance?
Join thousands of Australian families who've achieved their property goals with Sharia-compliant finance. Get your free assessment today.
- Free, no-obligation consultation
- Response within 24 hours
- Expert Sharia-compliant advice
- Compare multiple lenders
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Get a free assessment in under 2 minutes with no obligation and no impact on your credit score.
Get Your Free QuoteCommon Questions
Commercial Asset Finance FAQs
What types of commercial properties can I finance?
We offer Sharia-compliant financing for a wide range of commercial properties including retail shops, office spaces, industrial warehouses, factories, medical centres, and mixed-use developments combining residential and commercial elements.
What deposit do I need for commercial property finance?
Typically, you'll need a minimum 25% deposit for commercial property finance, giving you access to up to 75% Loan-to-Value Ratio (LVR). The exact requirements may vary based on property type and your financial situation.
How does Islamic commercial finance work?
Our commercial finance uses the Ijarah (lease-to-own) structure. We purchase the property and lease it to you with an option to buy. Your payments go towards ownership rather than interest, making it 100% Sharia-compliant.
Do you offer Low Doc options for commercial property?
Yes, we offer both Full Doc and Low Doc options for commercial property finance. Low Doc is ideal for self-employed business owners who may not have traditional income documentation like tax returns.