Shari’a‑Compliant Real Estate Financing
Real Estate Debt
Structured lending solutions across real estate assets, focused on capital preservation, predictable income, and disciplined risk management.
Real Estate Debt Since
2003
Established
Debt AUM
$1.2B
Assets Under Management
Ownership
KSCC
Kuwaiti Shareholding Company
Al Amal's Real Estate Debt team provides Shari'a-compliant financing solutions for commercial and residential real estate across the GCC. We offer senior, mezzanine, bridge, and structured debt using Islamic structures such as Murabaha (cost-plus), Ijara (leasing), and Musharaka (profit-sharing).
GCC Principal Real Estate Debt
الديون العقارية الرئيسية في دول مجلس التعاون
Senior Debt
الدين الأول
First-lien, Shari'a-compliant financing for stabilized properties. Structured as Murabaha or Ijara with priority claim on underlying real estate assets.
Mezzanine Debt
الدين الثانوي
Subordinated financing for value-add and development projects. Higher risk-adjusted returns with Shari'a-compliant profit-sharing mechanisms.
Bridge Debt
التمويل الجسري
Short-term financing for acquisition and repositioning. Structured to facilitate rapid deployment with clear exit strategies.
Structured Debt
الدين المهيكل
Customized solutions with profit-sharing structures (Musharaka). Tailored to complex, multi-tranche capital requirements.
Investment Philosophy
Three Pillars of Our Debt Strategy
Income Focus
التركيز على الدخل
Prioritize stable, contractually based returns through Shari'a-compliant financing structures with predictable cash flows.
Capital Preservation
الحفاظ على رأس المال
Lend against high-quality assets with strong sponsors. Rigorous underwriting ensures downside protection across market cycles.
Shari'a Compliance
الامتثال الشرعي
All structures are asset-backed and free from interest (riba). Overseen by an independent Shari'a Supervisory Board.
Islamic Finance Governance
Shari'a-Compliant Real Estate Debt Framework
إطار الديون العقارية المتوافقة مع الشريعة الإسلامية
All real estate debt investments are structured in accordance with Islamic principles, overseen by our internal Shari'a Supervisory Board. We use Shari'a-compliant structures such as Murabaha (cost-plus financing), Ijara (leasing), and Musharaka (profit-sharing partnership) instead of conventional interest-based loans.
Our Screening Process
- Asset verification (real, tangible real estate collateral)
- Prohibition of interest-based (riba) elements
- Contractual structure approval (Murabaha, Ijara, Musharaka)
- Borrower/sponsor business activity screening
- Annual Shari'a compliance certificate for each facility
Our Foundation
Core Values
قيمنا الأساسية
The five core values extracted from Al Amal's founding principles govern every aspect of our investment management and client service activities.
03
Act with Integrity
العمل بنزاهة
We act with complete integrity in every client interaction, investment decision, and regulatory filing. We do not compromise on ethics or fiduciary duty, ever.
04
Maintain Ethics
الحفاظ على الأخلاق
Our ethical framework governs not just what we invest in, but how we operate — from CMA disclosure compliance to Shari'a governance and internal audit practices.
05
Invest in People
الاستثمار في الأشخاص
Al Amal invests in the ongoing professional development of our equity analysts, portfolio managers, and support staff, recognising that our people are our primary competitive advantage.
01
Work & Spread Knowledge
العمل ونشر المعرفة
We cultivate a culture of continuous learning, sharing research, and building institutional knowledge that benefits our clients and the broader GCC investment community.
02
Persevere
المثابرة
Long-term value creation requires patience and resilience. We remain committed to our investment thesis even during periods of market volatility or short-term underperformance.
Who We Serve
Target Client Segments
Institutional Investors
المستثمرون المؤسسيون
Pension funds, endowments, insurance companies, sovereign wealth funds
Family Offices
مكاتب العائلات
Stable income and capital preservation across generations
High-Net-Worth Individuals
الأفراد ذوو الثروات العالية
Individuals seeking Shari'a-compliant fixed income
Corporates
الشركات
Real estate developers and operators seeking financing
Our Success Stories
Performance highlights across our real estate debt portfolio.
Total Facilities Originated
إجمالي التسهيلات
Average LTV
متوسط القرض إلى القيمة
Default Rate
معدل التعثر
Explore Further
مزيد من المعلومات
Become a Partner
كن شريكًا
Al Amal provides Shari'a-compliant real estate debt solutions across the GCC. Speak with our real estate debt team to explore our Islamic financing structures.