Use Case 8

Hardware & Machinery Financing

SukukFi finances equipment across telecom, retail, logistics, and technology by funding asset acquisition or leasing and tying repayments to operating revenues. Businesses get asset-heavy growth without large upfront capital outlays.

Murabaha: SukukFi acquires equipment, handsets, POS terminals, servers, or machinery, and sells it to the customer at a disclosed markup with deferred payments, aligning cash flow to revenue collection.

Ijara: SukukFi retains ownership and leases the asset to the customer at a fixed rental, with optional transfer of ownership at term end. This suits fast-depreciating technology or assets that need periodic upgrades.

Breadth of Opportunity

• Telecom handset financing: The mobile operator serves as debtor, with repayments drawn from subscriber airtime and device plans.
• POS systems for merchants: SukukFi finances terminals and software with repayments linked to card-present transaction revenue.
• AI and cloud infrastructure: Tech companies finance bare-metal servers, GPU clusters, or networking gear and repay from service revenues.
• Industrial machinery: SukukFi funds manufacturing equipment, CNC machines, and processing lines with repayments tied to production output.
• Logistics assets: Warehousing automation, forklifts, and fleet equipment are financed and repaid from distribution revenues.

Sharia conclusion: Murabaha and Ijara keep returns asset-backed and transparent, linking profit to real equipment usage and customer revenues rather than interest on cash lending.