Shariah Frequently Asked Questions
Is the Rise Capital Shariah model certified?
Yes. Our model is certified by Khalij, a leading Shariah advisory and commodity trading firm. Khalij ensures our Commodity Murabaha structure complies with Islamic finance principles.
How does the Murabaha structure work?
We purchase commodities through Khalij and sell them to the investor at a pre-agreed markup, payable on a deferred basis. The investor then uses the funds to invest in a UK property development. This structure avoids riba (interest) and generates profit through halal trade.
Are the funds used for ethical, tangible purposes?
Yes. All funds are used exclusively for the development of UK residential property. We do not engage in prohibited sectors such as alcohol, gambling, or conventional finance.
Is the investment 100% halal?
Our structure is designed to comply with Shariah principles — using no interest, no debt, and no haram activity — and is certified by Khalij. However, we encourage investors to seek independent Shariah advice if required.
What happens if the properties don’t sell?
In that event, Rise Capital may refinance, let the properties, or phase disposals. Investors retain security via the first legal charge and have priority in any recovery process.
Can I invest via my Islamic trust or family office?
Yes. We accept investments from Islamic trusts, family offices, and offshore vehicles, provided they meet FCA investor classification and compliance requirements.
How does Rise Capital achieve sales in the residential sector?
We work with estate agents, online portals, and local brokers. Projects are located in areas with housing demand and designed to appeal to UK owner-occupiers and buy-to-let investors.
How does Rise ensure sale reservations achieve exchange?
Buyers are vetted before reservation and are required to instruct solicitors immediately. A 28-day exchange deadline is enforced, and introducers are incentivised to complete swiftly.
Can I use my SSAS pension to invest in a Shariah-compliant way with Rise Capital?
Yes. Our model works with SSAS pensions and can accommodate Shariah principles using our certified Murabaha structure.
Is the Commodity Murabaha structure acceptable within a SSAS pension?
Yes. SSAS pensions permit flexible investing. Using the Murabaha agreement allows the return to be structured as fixed halal profit rather than interest, while still complying with HMRC rules.
Will my pension capital be protected under this structure?
Yes. Capital is secured by a legal charge, held in escrow, and released only upon certified progress — identical to personal investments.
Can my SSAS be independently certified as Shariah-compliant?
Yes. Khalij can provide documentation certifying that the Murabaha structure is Shariah-compliant. Investors may also appoint their own Shariah advisor if preferred.
Can I set up a new SSAS pension if I don’t have one?
Yes. If you're a UK company director, we can introduce you to administrators who support Shariah-compliant SSAS setups.
Can Rise Capital’s Shariah model work for both fixed return and equity investments?
Yes.
• Fixed returns use the certified Murabaha model.
• Equity participation can be compliant if the SPV is debt-free, trades in halal activities, and shares profits on a risk basis.
How is the Murabaha (loan-style) structure Shariah-compliant?
It avoids interest and instead delivers profit through a pre-agreed commodity sale. Returns are fixed, but derived from trade, not lending. This is certified by Khalij.
Is equity investment also halal?
Yes — if structured correctly. Our SPVs operate debt-free and in halal sectors. Equity investors participate in real development profits without any interest or impermissible features.
Does Rise Capital offer equity that meets these criteria?
Yes. All Rise Capital SPVs are structured to operate without bank debt. Equity tranches are open to Shariah-conscious investors subject to their individual compliance checks.
Which option is better for Shariah investors — Murabaha or equity?
Objective: Fixed halal returns
Recommended Structure: Murabaha Agreement
Objective: Halal profit participation
Recommended Structure: Equity Investment (SPV)
