ALIF, using cross-border leasing to finance equipments dedicated to a professional use, aims to develop the financing capacities expressed in foreign currencies of the economic operators it has chosen to work with.

In order to cover the global amount of cross-border leasing transactions it is in charge with, ALIF often organizes a financial syndication including investors affiliated to the Dallah Albaraka Group and/or international saving institutions mainly located in North Africa, Europe and in the Near and Middle East.


Flow chart and financial plan for a standard leasing transaction:

Purchase of the equipment by ALIF on behalf of the buyer (1)

Settlement of the purchase price by ALIF to the supplier (2)

Lease of the equipment by ALIF to the Lessee (3)

Rents paid by the Lessee to ALIF (4)

Transaction refinancing by saving institutions of the Group and by other financing institutions (5)

Rent sharing between financing institutions (6)

Guarantees underwritten with the different financial institutions (7)

ALIF usually conforms to the following scheme to carry out a cross-border leasing transaction :

Identification of an investment opportunity

Financial evaluation of the company and project profitability evaluation

Negotiation with the client of ALIF’s intervention conditions

Putting in place of a refinancing syndication pool

Elaboration of legal documentation

Putting in place of the necessary guarantees in order to cover the transaction

Personal liability and body insurance and goods insurance subscriptions

Checking of good existence of importation and exchange authorizations and also checking that signatory parties have the necessary capacities to bind respectively the Lessee and the Guarantor

Putting in place of the documentary credit in conformity with Purchase Contract terms

Putting in place of a rent repayment schedule and rent repartition in favour of financing institutions

Equipments control made directly within the Lessee’s company

Commercial relationship