About the startup
Ayan Capital is a London-based Islamic fintech offering fully digital halal car finance for individuals and businesses. It uses proprietary automated scoring and underwriting technology. The founders previously created the Alif fintech project in Central Asia. Much of its engineering team is based in Uzbekistan; Ayan Pay, debit cards and Islamic deposits are in development.
Problem
Muslim consumers and businesses in Western markets have few Shariah-compliant financial products. Conventional interest-based loans conflict with their beliefs.
Solution
Ayan Capital provides halal car finance on a rent-to-own model, delivered digitally with automated scoring.
Business model
Income from Shariah-compliant car finance agreements (rent-to-own).
Target Market
Individuals, sole traders, taxi and private hire drivers, and company fleets in the UK.
Investors
IT Park Ventures
Seed
$1 000 000
January 2026
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