Sharia-compliant by design
Three ways to fund a startup
Whether you want to accept gifts, borrow without interest, or share profits with investors, every option is structured to avoid riba (interest) and prioritize fairness.
01Gift
Hadiyaهدية
A gift or Sadaqa given purely out of admiration with no repayment expected.
RangeUSD 10 – 500
RepaymentNone
Cost to hostFree
- Donors never need an account to give.
- Accept USD 10–500 per individual gift.
- Host keeps 100% of the gift (minus standard payment processing fees).
- Embeddable donate widget works on any website.
Gift
02Loan
Qard Hasanقرض حسن
A benevolent interest-free loan repaid in full over monthly installments.
RangeUSD 1,000 – 10,000
Term3 – 6 months
ReturnPrincipal only
- Request USD 1,000–10,000 for operational needs.
- Flexible 3–6 monthly installments.
- Zero interest or fees on the principal, ever.
- Signed digital loan agreement protecting both parties.
- Request extensions or offer voluntary waivers via the platform.
- 'Divine ROI' compassion tracking for lenders.
Loan
03Equity/Profit-share
Mudarabahمضاربة
A profit-sharing partnership where the investor provides capital and the entrepreneur provides the work, with financial losses borne by the capital provider.
ReturnShared profit
RiskCapital at risk
ReviewPlatform reviewed
- Profit-sharing partnership between capital provider and entrepreneur.
- Monthly, quarterly, semi-annual, or annual distributions.
- Minimum investment and profit-share ratio set by the founder.
- All offerings reviewed with verified documents and identity checks.
- Transparent use-of-funds disclosure for investors.
Equity/Profit-share
Compare funding options
Use the detailed comparison below to help pick the right model for your needs.
HadiyaGift — nothing repaid | Qard HasanInterest-free loan | MudarabahProfit-sharing partnership | |
|---|---|---|---|
| The basics | |||
| Contract type | Gift / Sadaqa | Interest-free loan | Profit-sharing partnership |
| Typical amount | $10–$500 | $1,000–$10,000 | Variable, set by the founder |
| Duration / term | One-off, instant | 3–6 monthly installments | Ongoing until exit or agreed period |
| Repayment | None | Full principal in monthly installments | Distributions from realised profit only |
| For the supporter | |||
| What they get back | Gratitude & Divine ROI | Principal returned + Divine ROI | Share of profit if the venture succeeds |
| Who bears the loss | Donor — gift, no claim | Lender — default risk, may waive | Investor bears financial loss; entrepreneur loses effort |
| Account required | No gift without signing up | Yes free supporter account | Yes verified investor account |
| Divine ROI tracking | Yes | Yes | Profit-share reporting instead |
| For the host | |||
| Cost to host | Free | Qard Hasan plan — $8.25/month (or $4.95/month billed quarterly) | Mudarabah plan required — not free to list Early access phase |
| Documentation | No agreement needed | Signed digital loan agreement | Reviewed offering docs, use-of-funds disclosure & identity checks |
| Platform review before going live | Not required | Request reviewed | Every offering reviewed and approved |
| Flexibility (extensions/waivers) | N/A | Extension requests & voluntary waivers supported | Distribution schedule set by the founder |
| Payment processing fees | Standard payment processing fees apply | Standard payment processing fees apply | Standard payment processing fees apply |
Hadiya
Gift — nothing repaid
The basics
Contract type
Gift / Sadaqa
Typical amount
$10–$500
Duration / term
One-off, instant
Repayment
None
For the supporter
What they get back
Gratitude & Divine ROI
Who bears the loss
Donor — gift, no claim
Account required
No
gift without signing up
Divine ROI tracking
Yes
For the host
Cost to host
Free
Documentation
No agreement needed
Platform review before going live
Not required
Flexibility (extensions/waivers)
N/A
Payment processing fees
Standard payment processing fees apply
Qard Hasan
Interest-free loan
The basics
Contract type
Interest-free loan
Typical amount
$1,000–$10,000
Duration / term
3–6 monthly installments
Repayment
Full principal in monthly installments
For the supporter
What they get back
Principal returned + Divine ROI
Who bears the loss
Lender — default risk, may waive
Account required
Yes
free supporter account
Divine ROI tracking
Yes
For the host
Cost to host
Qard Hasan plan — $8.25/month
(or $4.95/month billed quarterly)
Documentation
Signed digital loan agreement
Platform review before going live
Request reviewed
Flexibility (extensions/waivers)
Extension requests & voluntary waivers supported
Payment processing fees
Standard payment processing fees apply
Mudarabah
Profit-sharing partnership
The basics
Contract type
Profit-sharing partnership
Typical amount
Variable, set by the founder
Duration / term
Ongoing until exit or agreed period
Repayment
Distributions from realised profit only
For the supporter
What they get back
Share of profit if the venture succeeds
Who bears the loss
Investor bears financial loss; entrepreneur loses effort
Account required
Yes
verified investor account
Divine ROI tracking
Profit-share reporting instead
For the host
Cost to host
Mudarabah plan required — not free to list
Early access phase
Documentation
Reviewed offering docs, use-of-funds disclosure & identity checks
Platform review before going live
Every offering reviewed and approved
Flexibility (extensions/waivers)
Distribution schedule set by the founder
Payment processing fees
Standard payment processing fees apply
Not sure which fits?
Our team is here to help you choose the right path for your startup. Remember, all three options are structured to avoid riba (interest).