Unlocking capital
How structured financing models help businesses access funds
For many businesses, growth depends on securing long-term financing. Yet, companies that lease out their assets, such as office buildings, warehouses, equipment or vehicle fleets, often face challenges when trying to raise funds.
Although these assets generate regular income through existing lease payments, they are contractually committed to third parties. As a result, businesses cannot easily use them as part of traditional Islamic financing models, since they are not directly available for use, resale or new leasing structures. This creates a financing gap for companies that hold valuable, income-producing assets but need additional capital.
Islamic banking offers structured alternatives to help businesses raise capital in a sharia-compliant way. One of the most commonly used methods is Ijarah, a leasing-based financing structure where the bank purchases an asset and leases it to the client for an agreed period.
