Sharia-Compliant Bridging Finance – Canterbury Capital

What Is Sharia-Compliant Bridging Finance?

Bridging finance that complies with Sharia law is a short-term financing solution. The Islamic finance system avoids interest by using alternative models such as profit-sharing, leasing, and partnership arrangements instead of conventional loans.

The lender and client agree instead of borrowing money with interest. For example:

• Lenders may purchase properties and resell them to their clients at an agreed profit margin.
• Lenders may also lease properties to clients until full ownership is achieved.

In bridging scenarios, this approach ensures compliance with Islamic principles while providing quick, short-term funding.

Benefits of Sharia-Compliant Bridging

1. Ethical and Faith-Based – Islamic financial principles are followed.
2. Speed – Quickly arranging funds, often within days, to meet deadlines.
3. Flexibility – Residential, commercial, and development-specific solutions.
4. Transparency – No hidden costs in agreements.
5. Peace of Mind – Financial support based on your values and goals.

How Sharia Bridging Works

Depending on the product chosen, the process may include:

1. Initial Enquiry – Tell us about your funding requirements.
2. Agreement in Principle – Our Sharia-compliant solutions are tailored to your needs.
3. Approval & Documentation – Contracts are prepared using approved structures such as murabaha (profit from sale), ijara (lease), or musharakah (partnership).
4. Funding Released – Purchases or projects are funded quickly.
5. Exit Strategy – Sale, refinance, or a staged transfer of ownership are some ways to wrap up the agreement.

Why Choose Canterbury Capital?

• Sharia Expertise – Our Islamic financial experts work with trusted partners.
• Tailored Finance – Our solutions are customised for each client.
• Fast Turnaround – We ensure funding is available when needed with our process.
• Transparent Approach – No hidden fees, clear agreements.

Example

A client is interested in purchasing a property for £300,000 at auction but must close the deal within 28 days. They cannot afford traditional mortgage financing because it takes too long and involves interest.

Murabaha agreements are used by Canterbury Capital to purchase and transfer properties under Sharia-compliant auction finance. The client repays the profit margin over a short period of time before refinancing into long-term Islamic mortgage financing. Transparently, ethically, and within the deadline, the transaction is completed.