Sharia Compliant Commerical Finance

We’ve help Australians access Shariah-compliant commercial finance — with no banks, no riba, and no compromise.

Low Entry Contribution

From as little as 20% contribution + purchasing costs.

Flexible Finance Amounts

Optimised finance solutions for your property investment goals.

Flexible Additional Repayments

Accelerate your investment ownership — additional payments always welcome.

Easy Refinance Available

Eligible for easy refinance after 12 months of good conduct — subject to approval.

Variable Rental
Rate

Pay rental linked to a variable rate — fully transparent and Shariah-compliant.

Industry Memberships

Riyadh Financial Services is a proud member of AFCA (Australian Financial Complaints Authority), Australia’s official alternative dispute resolution body for the financial services industry.

Our membership with AFCA reflects our commitment to providing clients with ethical, transparent service and access to fair, independent complaint resolution if required.With Riyadh Financial Services, you can move forward with confidence — knowing that your path to Shariah-compliant residential and commercial property finance is in trusted hands.

Commercial property financing can be purchased under a Self-Managed Super Fund (SMSF)

Choose between “Musharakah Contract Principal + Dividend Payment”
OR
“Dividend Payment only”.  

A 30-year-long Finance Term. No early repayment penalties

Up to 90% Finance to Value (FVR) ratio for Residential Properties and 80% for Commercial Properties.

Internet Banking

Eligibility Criteria

This information does not constitute an approval and is subject to changes - for guide only.

01.

Citizenship

  • Australian citizens
  • New Zealand citizens
  • Australian permanent residents
  • Temporary residents / Non Residents (conditions apply)
02.

Age

  • 18 years and above
03.

Borrower Type

  • Natural born persons
  • Company applicants
  • Trust applicants
04.

Income Verification

Employees
  • Short Term Employment:  we can work with people who are short term employed on a case by case basis.
  • Permanent employees:  6 months in current job or 12 months in same industry
  • Casual employees:  6 months in current job or 12 months in same industry with letter from employer
  • Credit record:  clean credit record with no defaults
Self Employed
  • Short Term Employment:  we can work with people who are short term self-employed on a case by case basis.
  • Full Doc: 2 years tax returns + accompanying notice of assessment
  • Low Doc: Accountants letter to confirm taxable income
  • Credit record:  clean credit record with no defaults
05.

Property Purchase

  • Signed Contract of Sale (required for all purchases)
06.

Refinance & Debt Consolidation

  • For Home Loan / Investment Loan refinance → provide 3 months loan statement for the home loan being refinanced
  • For Unsecured Loans (including credit cards, car loans, personal loans) → provide 3 months loan statements for each loan being refinanced
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Product's Islamic Compliance

How is it Sharia Compliant

Sharia Compliant Certificate

Our product(s) has been certified as being Shariah Compliant.

Riba Free Financing

The agreement is free from interest (riba).

Ijarah Model

Our contracts are based on the Ijarah model of financing, which is a form of leasing.

Compliant

Our contracts are compliant with both Shariah Law and Australian banking regulations.