Debt-Based Crowdfunding
Connecting investors with vetted MSMEs through a compliant, data-driven platform
PRODUCT PORTFOLIO
This financing model enables investors to finance businesses seeking funding through a licensed electronic platform. The platform manages the financing process and connects investors with financing applicants, in compliance with the provisions and principles of Islamic Sharia.
- Investors: Individuals or businesses seeking to invest their funds in return for investment yields generated from financing transactions executed through the platform.
- Financing Applicants: Small and medium-sized enterprises seeking financing solutions to support their needs and business growth.
A secure and fully integrated digital experience that enables the financing and investment journey to be managed efficiently and transparently.
Platform Onboarding
Potential borrower onboards on the platform.
KYC/KYB Process
Full KYC/KYB process is initiated through integrated services.
Relationship Manager
Customer is approached by a Relationship Manager for data gathering.
Documentation
Borrower provides collaterals, guarantors, and business information.
Initial Offer
RM drafts an offer with product details, finance amount, and collaterals.
Offer Acceptance
Borrower accepts the offer; case routes to Risk Rating & Underwriting.
Risk Assessment
Dynamic engine collects and analyzes bureau data.
Underwriting
Underwriter reviews, approves, and issues the credit report.
Crowdfund Agreement
Borrower signs the agreement electronically.
Marketplace Publication
Opportunity is published for investor participation.
Contract & Collaterals
After collection, borrower signs contracts and collaterals are pledged.
Funds Disbursement
Amount is settled to the borrower’s account within 24 hours.
REVENUE STREAMS
Service Fees
The company generates revenue from fees associated with services provided throughout the financing process, in accordance with the approved fee structure and terms applicable to each product.
ADMINISTRATIVE FEES
Fees are charged for the administration and processing of certain services and procedures related to the financing process, in accordance with the disclosed fees and approved terms.
