$3M
Eligible Transactions
CPA-Led
Application Support
National
Australia-wide Assistance
Commercial Clarity · Values Aligned Structure · CPA-Led Preparation
O 1 — A NEW FRONTIER
Institutional finance is opening a new path.
For many Australian business owners and investors, the challenge has been finding substantial funding that supports the transaction while reflecting their values. Eligible businesses can now explore specialist structures designed around Islamic finance principles for approved commercial purposes.'
These arrangements still have a commercial cost. They are not free finance. The difference lies in the underlying transaction and the way the financier’s return is structured.
O 2 — ELIGIBLE PURPOSES
Built for substantial commercial ambition
01
Commercial Property & Land
Acquisitions for eligible business or investment purposes.
03
Business Acquisitions
Funding an established operating business, subject to assessment.
02
Development & Construction
Land, construction, and development requirements.
04
Equipment & productive assets
Machinery, equipment, livestock, and approved assets for growth.
O 3 — THE DIFFERENCE
Commercial finance, structured around Islamic principles
Islamic finance prohibits riba, commonly understood as interest, while permitting trade, leasing and partnership. A suitable structure may generate the financier's return through an underlying asset or approved commercial transaction.
A valid underlying asset or activity
Clear and certain contractual terms
A permissible business purpose
An agreed commercial return
Avoidance of excessive uncertainty
Prepared for commercial cost and assessment
O 4 — QUICK ELIGIBILITY CHECK
Could your transaction be suitable?
Strong candidates usually share these characteristics.
Generally $3M or more
Genuine business or commercial purpose
Demonstrate serviceability
Eligible asset, industry, and purpose
Complete transaction information
Prepared for commercial costs and assessment
O 5 — THE LENDCAP PROCESS
From complex idea to credit-ready case.
Confidential assessment
We discuss purpose, amount, timing, ownership and your finance requirements.
Eligibility
review
We identify whether the opportunity appears suitable and map the structure.
CPA-led preparation
We organise financials, forecasts, valuations and the commercial narrative.
Specialist introduction
Where appropriate, we introduce the transaction and support assessment.
O 6 — AUSTRALIA-WIDE
Local understanding. National reach.
Lendcap is based in Melbourne and assists eligible clients across Australia, with priority coverage across Melbourne and Victoria, Sydney and Western Sydney, Brisbane, Logan and the Gold Coast.
Melbourne · Dandenong · Broadmeadows · Epping- Campbellfield · Sydney · Parramatta · Bankstown · Liverpool · Auburn
O 7 — FREQUENTLY ASKED
Clear questions before you proceed.
What is Islamic business finance?
It uses commercial structures intended to avoid interest-based lending. Depending on the transaction, it may involve a sale, lease, partnership or another asset-based arrangement.
Is Islamic finance interest-free?
It is not cost-free. The financier receives a commercial return, and fees and other costs may apply. The distinction is how that return is structured.
What is the minimum transaction size?
This specialist pathway is generally intended for eligible Australian business transactions from $3 million. Minimums and criteria may change.
Does the applicant have to be Muslim?
No. Eligible applicants may be considered regardless of religion or background, subject to lender criteria.
Can it fund commercial property or an acquisition?
Potentially. Commercial property, land, development, construction and business acquisitions may be considered, subject to the transaction and lender assessment.
Who determines Shariah compliance?
Product governance and any Shariah-board endorsement sit with the relevant lender. Lendcap does not issue a fatwa or independently certify compliance.
O 8 — CONFIDENTIAL REVIEW
Start with the transaction, not the product name
Tell us what you are acquiring or building, the amount required, your equity contribution and timing. We’ll assess whether the opportunity appears suitable.