Sound before launch, not after.
The cheapest moment to fix a structure is before it exists. The most expensive is after it has customers.
We sit with your product team while the shape is still on the whiteboard, and work at the level that decides the answer: what is owned, who carries the risk, and where the return actually comes from.
What you get.
Structure design
We take the commercial outcome you need and build a contract structure that reaches it soundly — murabaha, ijara, mudaraba, wakala or a combination.
Options, with trade-offs
Usually more than one route works. You get each one with its cost, its complexity and its exposure, so the choice stays yours.
Documentation review
Term sheets, contracts and customer-facing copy, checked against the structure they claim to describe.
How structuring works.
Fast enough to keep up with a product team, rigorous enough to survive certification afterwards.
Understand
The commercial goal first: what the product must do for the customer and for your book.
Design
Two or three viable structures, with the trade-offs of each set out plainly.
Pressure-test
We attack the chosen structure ourselves — where does it break, and under what conditions?
Hand over
A documented structure your legal team can draft against and your board can certify.
Where structures usually break.
- Ownership never really transfers. The paperwork does not evidence any real transfer of ownership.
- Sequencing is misplaced. Shariah structures are not sequenced correctly.
- The wrapper changed, the substance did not. Relabelling a structure does not move the answer.
Common questions.
Can you structure and certify the same product?
Yes, and it is common — but the certification review is run independently of the structuring team, and a second scholar reads it before signature.
How early should we bring you in?
Before the term sheet. Once pricing and documentation are set, changing the structure costs real money.