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Offa

“Can a Sharia-compliant property finance specialist capture the underserved UK Muslim community's demand for ethical bridging and buy-to-let products while remaining competitive with conventional lenders?”

HQUnited Kingdom
IndustryFintech / Lending
The story

Offa was established as the UK's first Sharia-compliant bridge finance company, targeting Britain's 4 million-strong Muslim community seeking property finance compatible with Islamic principles (no interest, no 'haram' sectors). The company has expanded its bridging proposition to include heavy refurbishments and development finance alongside traditional bridge products, backed by a £100m credit line from Gulf Islamic Investments in 2024. Offa's ethical model is also marketed to non-Muslim property investors seeking transparent, interest-free financing structures.

Last 12 months
2024-04
2024-01
Product timeline
2024
Secured £100 million credit line from UAE-based Gulf Islamic Investments Group (GII), described as the UK's largest Islamic finance bridge funding of its kind outside the Gulf.· lending
2024
Launched Bridge-to-Let finance product for Islamic investors.· lending
2024
Tapped Finova to power its Sharia-compliant finance products (lending infrastructure).· lending
Regulated entities
1
regulatory licence held by Offa
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
1 layer disclosed in Offa’s embedded-finance stack
Lending
Residential Bridge FinanceCommercial Bridge FinanceBuy-to-Let Finance (Fixed 5-year)Buy-to-Let Finance (Fixed 2-year)Buy-to-Let Finance (Discounted Variable)Bridge-to-Let FinanceHeavy Refurbishment Bridge FinanceDevelopment Bridge Finance
Accounting gap: none

Offa — frequently asked

Where is Offa headquartered?

Offa is headquartered in United Kingdom.

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