Shariah-Compliant Rent-to-Own Financing Solutions
Access to vehicle and asset finance in South Africa remains a significant challenge. Traditional banks operate under strict approval criteria, resulting in only 20–25% of applications being approved. This leaves the majority of individuals, SMEs, and corporates unable to secure financing for essential assets such as vehicles, renewable energy systems, or specialized equipment — despite their ability to pay deposits and service monthly instalments.
In a country where public transport is unreliable and insufficient, vehicle ownership is a necessity for the middle class and for SMEs that depend on mobility to deliver on lucrative contracts. Many smaller businesses, even those with strong rental agreements with blue-chip companies, are excluded from traditional financing due to limited balance sheets.
The Rihlat Muzdahira Asset and Vehicle Finance Platform directly addresses this gap with an innovative, Shariah-compliant Rent-to-Own model, enabling both corporates and individuals to access the vehicles and assets they need, while creating an attractive investment opportunity for investors.
Through this platform, the Partnership will acquire and lease assets across high-demand sectors, including:
All assets remain under the possession and control of Rihlat Muzdahira ECP during the investment cycle, with a dedicated asset agent managing collection, delivery, and oversight to ensure security and compliance.
By combining financial inclusion with responsible asset-based investing, the platform delivers sustainable returns to investors while providing tangible, life-changing value to South Africa's underserved corporates and individuals.
Interested in learning more about our Vehicle & Asset Finance platform? Contact us today.
info@rihlat.co.za
investments@rihlat.co.za
021 201 7270
Mon - Fri: 8:00 AM - 5:00 PM
First Floor, Fussel House
48 Athol Oaklands Street
Melrose Arch, 2076
South Africa