SME/Companies

At Ayan, we're committed to helping small and medium enterprises thrive. Our vehicle financing solutions are designed to fit your business needs, whether you're looking to expand your fleet or upgrade your company cars. With competitive rates, flexible terms, and a dedication to ethical financing, we're your partner in driving your business forward.

Competitive rates
Flexible terms
Shariah-compliant financing
Support for fleet expansion
CALCULATE YOUR PAYMENTS

Private Hire Drivers

Whether you're an Uber, Bolt, or FreeNow driver, Ayan has your back. 
We offer Sharia-compliant financing for a wide range of vehicles, from fuel-efficient hybrids to spacious SUVs. With weekly payments that adapt to your earnings, you can drive with confidence knowing that we're here to support you every step of the way.

Sharia-compliant financing
Adaptable weekly payments
Choose any car from any dealer
Support for Uber, Bolt, FreeNow, and more
CALCULATE YOUR PAYMENTS

PREMIUM VEHICLES FOR CHAUFFEURS

At Ayan, we understand the unique needs of chauffeurs. Our flexible financing options allow you to choose the perfect vehicle to impress your clients and grow your business. With no hidden fees and a straightforward application process, we make it easy for you to get behind the wheel 
and focus on providing exceptional service.

Access to premium vehicles
Flexible payment plans
No hidden fees or penalties
Quick approval process
CALCULATE YOUR PAYMENTS
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WHY THE UK

REDEFINING
UK FINANCE.

‍for THE
good.

Closing the £700 billion gap in the financial sector—lack of trust in traditional banks

Underserved by traditional finance

UK Islamic banks hold just 0.1% of assets —despite 7% Muslim population

4.4m

UK gig workers underserved

66%

of UK adults don't trust traditional banks—demand transparent, fee-free services

81% of Muslims seek Sharia-compliant options

5x

Muslims are 5x more likely to be unbanked in the UK, due to traditional financial system's exclusion

It's time for a change. FAIR FINANCE. open for everyone.

Starting with car financing, we are democratising access to finance

Values-driven car financing

Providing revenue-generating halal vehicle financing for individuals and SMEs

AYAN TODAY

Consumer finance platform

Expanding to consumer products. Starting application for the banking license.

IN 2 YEARS

Leading values-driven banking ecosystem

Progress on banking in the UK. Going global with partnerships.

IN 5 YEARS

Ayan is building a community-driven FINANCIAL ecosystem

For SMEs

Financing revenue-generating asset ownership. Coming soon—boost sales by offering halal finance to customers.

For drivers

Financing revenue-generating asset ownership.

For individuals

Coming soon—personal finance, remittances, shopping, values-driven investments.

For investors

Ayan deposits and Sukuk bonds—funding inclusivity, social, and environmental improvement.

For society

Promoting financial inclusion, financing sustainable development.

For global partners

Providing product and technology to global banking partners to introduce Islamic digital banking

AYAN TODAY

Any dealer, any vehicle—new or used, with eco-friendly options

100% Sharia-compliant—no hidden fees

Dedicated car matchmaker and buyout helper

Get a business vehicle in 2 days—fair, interest-free weekly payments with ownership

AI-powered credit decisions (soon), all-digital application

Flexible insurance and warranty choices

Keep earning no-claims bonus

TRACTION AND ROADMAP

Transforming Finance: AYAN Vision

2024

Expand vehicle financing across the UK and launch AyanPay

  • 40% month-on-month revenue growth
  • 5/5 star rating on Google
  • Launch Fix Now Pay Later for vehicle repair & servicing

2025

Expand car finance offerings, launch additional retail products

  • £25M+ in financing to be provided
  • Launch consumer car finance
  • Launch banking cards with flexible payment options

2026

Introduce integrated consumer loans for SMEs, shopping, remittances and values-driven investments for individuals

2027

Progress on banking license in the UK. Global expansion through partner banks that want to introduce Islamic digital products to customers

From vision to action

Launched by Alif Bank founders and team

Global expertise

  • Over $3 billion in annual turnover in Alif ecosystem
  • 3M+ customers served across Central Asia and UK

Compliance

  • Sharia compliance certified by respected global scholars
  • FCA registered for AML purposes (FRN: 1004344)

Abdullo Kurbanov

CEO, Co-founder
Ex-CEO and co-founder of Alif Bank, co-founder of Somon.tj (3M+ users). Ex-VP of Mining Investments at Origo Partners, investment banking analyst at UBS, consultant at Oliver Wyman. MSc Finance with Distinction, LSE

Zarrina Rajabova

Chief Information Officer
Ex-CIO of Alif Bank, ex-CEO of Alif Academy. Built Alif’s banking tech systems and educational division, Alif Academy—over 2700 graduates. BA, Technological University of Tajikistan

Furkat Suvhanov

Chief Operating Officer
Ex-investment manager at Jefferson Capital, UK—handled portfolio, investments, AML, and KYC. Ex-CEO and co-founder of Spartan Real Estate, Cyprus—led 5 major projects. MBA, Saïd Business School, Oxford

Ehatasham Kabir

Head of Customer Relations
Over 7 years in customer relations and operations at top aviation firms and a Premier League club

Komyor Ahmarzoda

Project Manager
Developed CRM, BNPL and quality control platforms at Alif Bank.

Malika Nurmatova

Front-end Developer
Frontend Developer specialized in Next.js, fluent in Tajik, English, Russian, JavaScript, and basic German

Akbar
Ahrorov

Full stack Developer
Involved in the development of customer service automation using Golang, JavaScript and SQL technologies

IFG

Starting & Growing Tajikistan's 1st Islamic Bank | Abdullo Kurbanov

Islam Channel

Discussing a new Islamic challenger in the UK

CEO Today

Meet The CEO On A Mission To Create The World’s First Islamic Fintech Unicorn

BusinessCloud

Islamic car finance platform eyes £25m raise

Alif

Alif Conf: Abdullo Kurbanov introduces Alif’s new products

Alif

Introduction to Alif: Vision

Alif

Meet the Co-founder of Alif — Firdavs Mirzoev

Brendan le Grange Podcast

Transforming the credit landscape in Central Asia, with Abdullo Kurbanov (Alif Bank)

Alif

Meet the Co-founder at Alif — Zuhursho Rahmatulloev

Become part of AYAN

Join us in redefining values-driven finance for millions. Your contribution, their future, our shared vision.
Contact us

© 2024 Ayan Capital LTD is registered and supervised by the Financial Conduct Authority as an Annex 1 financial institution for anti-money laundering purposes only—Firm Reference Number: 1004344. Registered in England & Wales, No: 15123809, with the office at 20 Wenlock Road, London, England, N1 7GU. Compliant with Data Protection Regulations 2018 under registration ZB613240.

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