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For businesses

Ethical, asset-backed
financing for real business

Access working capital and trade finance structured on Sharia principles, with transparent terms and no interest.

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Financing

Funding 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.

Murabaha style

Working Capital

Cost-plus financing for inventory and day-to-day operations, repaid over a fixed tenor.

~8%indicative profit rate
  • Tenor3–18 mo
  • Ticket size$25k–$500k
  • StructureCost-plus
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Trade finance

Trade Finance

Purchase-order and invoice-linked funding to bridge supplier and customer timelines.

~9.5%indicative profit rate
  • Tenor1–9 mo
  • Ticket size$50k–$1M
  • StructureInvoice-linked
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Ijara style

Asset Acquisition

Lease-to-own financing for equipment and productive assets, with ownership transferred at term.

~7%indicative profit rate
  • Tenor12–36 mo
  • Ticket size$50k–$2M
  • StructureLease-to-own
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Profit rates are indicative and set per deal after structuring and review. This page is a concept and is not a financing offer.

Eligibility

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

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 monthly payment
$8,667
Indicative profit rate8.0%
Estimated profit amount$8,000
Estimated total repayment$108,000

Illustrative estimate using a flat profit rate. Actual terms are set per deal after structuring and Sharia review.

Process

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 Serai

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.

Serai for business

Ready to apply?

Check whether your business is a fit and start a structured, Sharia-compliant financing conversation.

Check eligibility