IjaraCDC Investor Gold CRE Financing
Halal Business Financing in Washington, D.C.
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 options are available. Structured as a trust-based Ijara - a single-asset trust owns the property and leases it back with payments split between rent and equity buyout - funded through 200+ commercial sources across all 50 states.
IjaraCDC's premium CRE tier for properties leased to national credit tenants - think pharmacy chains and logistics anchors - at $2M-$20M with non-recourse protection available. The 20-25% down requirement is genuinely competitive with conventional CRE lending for this asset class, and the trust-based ijara keeps the financier's return as rent on real property rather than interest. Only properties with investment-grade tenancy qualify, which is precisely what makes the terms possible; everyone else routes to the standard CRE program at 35%+ equity. Pricing remains quote-driven and the contract documents need an NDA to review. For Muslim syndicators and family offices holding credit-tenant real estate, this is the sharpest halal leverage on the market.
Pros
- $2M-$20M with only 20-25% down - low for institutional-grade CRE
- Non-recourse available, protecting personal assets
- Up to 20 years of amortized financing across all 50 states
- Trust-based Ijara with documented fatwa lineage and a standing Sharia Advisory Board
Cons
- Requires long-term leases to national credit tenants - a high property bar
- Minimum deal size of $2M excludes smaller investors
- Individually quoted pricing; expect institutional-level due diligence
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Product Details
Type
National-Tenant CRE
Structure
ijara
Min Amount
$2,000,000
Max Amount
$20,000,000
Down Payment
20–25%
IjaraCDC in Washington, D.C.
IjaraCDC's Investor Gold CRE Financing is available for businesses in Washington, D.C., using a ijara structure. Financing amounts range from $2,000,000 to $20,000,000. IjaraCDC operates nationwide, so Washington, D.C. residents have full access to this product.
Shariah Compliance & Oversight
IjaraCDC maintains a standing Sharia Advisory Board chaired since 2012 by Mufti Muneer Ahmed Akhoon - Karachi-trained (he studied under Taqi Usmani, among others) and Director of Religious Affairs at the Westchester Muslim Center in Mt. Vernon, NY - who issued the current fatwa on the finance documents. Shaykh Mufti Mohammed-Umer Esmail, a Canadian-born scholar with 13 years of formal Shariah study who also trained under Justice Taqi Usmani, has served as Sharia Advisor since 2009 and issued the fatwa for the Conversion Product; Imam Yahya Abdullah (joined 2013) and Imam Mohamed Radwan Mardini (joined 2015) complete the board. The underlying Lease to Purchase contract carries a documented fatwa lineage: the original 1995 Dallah Al Baraka fatwa (Sh. Muhammad Taqi Usmani, Sh. Nizam Yaquby, Dr. Abdus Sattar Abu Ghuddah, Sh. Abdullah Al Mannae), updated in 1997 for the United Bank of Kuwait's Al-Manzil program, in 2003 for University Bank (Yusuf DeLorenzo, Nizam Yaquby), reviewed in 2006 by Dr. Ahmed Shleibak, extended in 2009 with Esmail's Conversion fatwa, and reissued in 2012 by Akhoon. The current fatwa is downloadable in English, French, and Spanish, and IjaraCDC states the approval covers use in both the USA and Canada. Two honest caveats: Taqi Usmani approved the original 1995 contract but does not serve on IjaraCDC's board (the site says so explicitly), and the primary contract documents - trust agreement, lease, and Promise to Purchase - are released for review only under a signed NDA.
Sharia Advisory Board chaired by Mufti Muneer Akhoon. Shaykh Mufti Mohammed-Umer Esmail serves as advisor.
2026-08-13
State Availability
IjaraCDC serves all 50 states + DC
✓ Available nationwide including Washington, D.C.
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Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
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