Finance that grows your business, the halal way.
Bulaal Finance helps small and medium businesses buy stock, equipment and vehicles, and fund their next stage of growth, through Murabaha, Ijara, Musharaka and Qard Hasan. Clear terms. No interest.
Interest-free. Every cost shown before you sign.
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Sharia-compliantEvery deal backed by a real asset or activity
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No interest, everProfit agreed up front
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Built for SMEsTraders, makers and service firms
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Clear processEvery cost shown before you sign
Four ways to finance your business
Choose the structure that matches what you need: owning stock and assets, using equipment, partnering on growth, or a benevolent loan for a genuine need.
Stock & asset purchase
We buy the goods or assets you need, then sell them to you at cost plus an agreed profit. You pay in instalments, and the price is fixed from day one.
Learn about MurabahaEquipment & vehicle leasing
We buy the equipment or vehicle and lease it to you for a fixed rental. At the end of the term, ownership can pass to you.
Learn about IjaraGrowth partnership
We invest alongside you and share profit by an agreed ratio. You buy out our share over time until the business or asset is fully yours.
Learn about MusharakaBenevolent loan
An interest-free loan for a genuine need. You repay exactly what you borrowed, nothing more.
Learn about Qard HasanFrom application to funding in four steps
No interest, every cost shown before you sign, and a team you can talk to at every step. See the full process.
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Apply online
Tell us about your business and what you need. It takes a few minutes and costs nothing.
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Talk to our team
We review your application and agree the right structure with you: Murabaha, Ijara, Musharaka or Qard Hasan.
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Get a clear offer
You see the asset, the total price and every instalment before you sign. Nothing hidden.
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Get funded
Once signed, we buy the asset or release the capital, and you get back to running your business.
Businesses across the economy
If your business sells, makes, moves or serves, we would like to hear from you.
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Retail & trading
Shops, wholesalers and traders who need stock to sell.
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Manufacturing
Workshops and factories buying machines and raw materials.
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Transport & logistics
Operators adding vehicles, trucks and delivery fleets.
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Agriculture & livestock
Farmers and herders buying inputs, pumps, tools and animals.
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Services & hospitality
Restaurants, clinics, salons and other service businesses fitting out or expanding.
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Family businesses
Family-run firms ready for their next stage of growth.
Good questions to ask before you apply
What makes your financing Sharia-compliant?
Every product is linked to a real asset or business activity, the price or profit share is agreed up front, and no interest (riba) is charged.
Isn’t the profit just interest with a different name?
No. With interest, money is lent and the amount owed grows over time. With Murabaha, we actually buy and own the asset first, then sell it to you at a fixed price. That price does not grow if you need more time.
Who can apply?
Small and medium businesses with a clear purpose for the financing and a record of their sales. If you are not sure, apply anyway or talk to us: it costs nothing.
How long does it take?
It depends on the financing and how complete your documents are. Our team gives you a timeline once we have reviewed your application, and keeps you updated at every step.
Ready to grow your business?
Apply online in a few minutes, or talk to our team first. There is no obligation and no cost to apply.
We reply by email or phone, whichever you prefer.
- No interest, ever
- Sharia-compliant
- Four ways to finance
- Free to apply