Ethical, asset-backed
financing for real business
Access working capital and trade finance structured on Sharia principles, with transparent terms and no interest.
Check eligibilityFunding structured
the ethical way
Each product is asset-backed and priced with a transparent profit rate rather than interest. Rates and tickets shown are indicative for this concept.
Working Capital
Cost-plus financing for inventory and day-to-day operations, repaid over a fixed tenor.
Trade Finance
Purchase-order and invoice-linked funding to bridge supplier and customer timelines.
Asset Acquisition
Lease-to-own financing for equipment and productive assets, with ownership transferred at term.
Profit rates are indicative and set per deal after structuring and review. This page is a concept and is not a financing offer.
What we look for
A simple, transparent set of criteria. Structuring and Sharia review confirm the final terms.
A good fit
- Operating business with 12+ months of trading history
- Financing tied to a real asset, order, or invoice
- Predictable, documented cash flow
- Activity permissible under Sharia principles
Not a fit if
- Funding is purely speculative or unbacked
- Revenue depends on interest-based lending
- The underlying activity is non-compliant
- No documented trading history is available
Estimate your financing
Move the sliders to see an illustrative repayment shape. This is a concept estimate, not an offer or a quote.
Your request
Amounts and rates are indicative and for illustration only.
Illustrative estimate using a flat profit rate. Actual terms are set per deal after structuring and Sharia review.
From first application to funded, the path is transparent and structured. Most concept applications move through four clear stages.
01 · Apply
Share your business, the asset or order, and how much you need.02 · Review and structure
We assess cash flow and structure the deal around a real underlying asset.03 · Sharia approval
Independent advisors confirm the structure is compliant before funding.04 · Funding
Capital is released and repayment follows the transparent agreed schedule.Why businesses
choose Serai
Ethical structure
Financing is asset-backed and free of interest by design.
Transparent terms
Profit rate, tenor, and schedule are clear before you commit.
Fast decisions
Structured review keeps concept timelines short and predictable.
Aligned incentives
Returns come from shared, real economic activity, not debt.
Ready to apply?
Check whether your business is a fit and start a structured, Sharia-compliant financing conversation.
Check eligibility