UIF Commercial Real Estate Financing
Halal Business Financing in Texas
Funding for properties used for business purposes, such as office buildings, retail spaces, and industrial warehouses.
UIF offers Commercial Real Estate Financing, a halal business financing product using a musharakah structure. Financing amounts range from $100,000 to $3,000,000. Best suited for: Business real estate.
Pros
- Coverage across 22 states, including most major population centers
- Uses Declining Musharakah — a recognized Shariah-compliant structure
- High HalalWallet rating of 4.5/5
- One of the few halal lenders with a dedicated non-profit real estate program for masjids, community centers, and schools
Cons
- Does not finance construction, development, gas stations, or hotels/motels — real estate collateral only
- Requires a $6,500 appraisal and property survey deposit upfront
- Meaningful third-party closing costs: attorney $5,000–$10,000, commercial appraisal $1,500–$3,500, survey $1,500–$3,500, plus possible Michigan LLC formation ($50–$150)
- Non-profits face heavy documentation under the Bank Secrecy Act's Customer Identification Program — board-member IDs, resumes, three years of financials/990s, and disclosure of all donors exceeding $3,000 annually
- Documentation-heavy approval: personal financial statement, three years of federal tax returns (K-1s, W-2s), and full business records for any business with over 15% ownership
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Product Details
Type
Commercial Real Estate
Structure
musharakah
Min Amount
$100,000
Max Amount
$2,000,000 (higher amounts possible by partnering with other investors)
Down Payment
30–40% of purchase price or appraised value, whichever is less (program page cites 35–40%), depending on property type and location
UIF in Texas
UIF's Commercial Real Estate Financing is available for businesses in Texas, using a musharakah structure. Financing amounts range from $100,000 to $2,000,000 (higher amounts possible by partnering with other investors). Texas is among the top states for small business activity, creating strong demand for Shariah-compliant business financing alternatives. Texas is home to an estimated ~313K Muslims (1.1% of the population) (World Population Review, 2020 estimates). UIF serves 22 states, including Texas.
Shariah Compliance & Oversight
Operates as a dedicated Islamic finance provider whose activities are overseen by a formal, independent Sharia Supervisory Board and aligned with recognized Islamic finance standards.
Sharia Supervisory Board chaired by Sheikh Nizam Yaquby. Board reviews/approves UIF programs; fatwas + audits published.
2026-07-10
Apply Now — UIF
Visit UIF's website to get current terms, check eligibility for Texas, and get started today.
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Compare With Other Options in Texas
9 other business financing products available to Texas residents
Frequently Asked Questions
What is UIF Commercial Real Estate Financing?
What Shariah oversight does UIF Commercial Real Estate Financing have?
Is UIF Commercial Real Estate Financing available in Texas?
What Shariah oversight does UIF have?
What financing structure does UIF Commercial Real Estate Financing use?
How do I apply for UIF Commercial Real Estate Financing in Texas?
Does Texas have state income tax on halal investments?
Is Texas a community property state for Islamic estate planning?
Halal Finance Score
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Average score: 63/100
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Compare every business financing option side-by-side with filters, ratings, and Shariah oversight details.
Reviewed monthly and updated when product availability or terms change.
Co-Founder & CEO, HalalWallet
How to use this comparison: HalalWallet is an independent educational comparison platform — by design, we do not provide financial, legal, or religious advice. We do the research homework so your final checks are quick and personal.
Product structures and Shariah oversight vary by provider, so finish with three built-in steps:
- Confirm current terms and halal compliance directly with the provider — their quote is final.
- Review the contract structure (Murabaha, Ijara, Musharakah, etc.) and any disclosed Shariah board opinions.
- Bring your shortlist to a qualified Islamic finance advisor or scholar, so the conversation is about your situation, not the basics.