Use Case 8

Hardware & Machinery Financing

SukukFi can finance equipment across telecom, retail, logistics, and technology by funding the acquisition or leasing of tangible assets and tying repayments to real operating revenues. This unlocks asset-heavy growth without requiring 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 for a fixed rental, with optional transfer of ownership at the end of term. This is well suited to fast‑depreciating technology or assets that require periodic upgrades.

Breadth of Opportunity

• Telecom handset financing: A mobile operator acts as debtor, with repayments sourced from subscriber airtime and device plans.
• POS systems for merchants: Terminals and software are financed 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: Manufacturing equipment, CNC machines, and processing lines are funded with repayments tied to production output.
• Logistics assets: Warehousing automation, forklifts, and fleet equipment can be financed and repaid from distribution revenues.

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