SUNDUS financing shares a single contractual backbone and one graduation logic, the Murabaha cost-plus sale and a single principle: the customer's total cost is fixed, disclosed and never increases.

The launch portfolio comprises of three product lines micro financing, SME commercial financing and an embedded BNPL rail; asset-backed financing, equipment and vehicle financing would be for future expansion.

Glass staircase and crystal representing the beginning of a financing journey

Seed

Micro Financing

Micro-financing serves micro-entrepreneurs,home-based businesses and early-stage founders who need small amounts of capital for inventory, materials, tools, marketing or start-up costs. Facilities are offered in five fixed tiers. Customers enter at the tier their assessment supports and unlock higher tiers through on-time repayment.

Glass staircase representing financing progression

The Graduation Ladder

Graduation logic. A customer who completes a facility with no installment materially late is offered the next rung, completion of M5 pre-qualifies the customer for SME financing assessment. Progression is a eligibility policy, not a contractual entitlement where each Murabaha is independently concluded and priced. The ladder is the product's central mechanic: it prices trust rather than assuming it, manufactures a credit history for businesses that have none, and makes the loss curve improve as the book ages rather than deteriorate.

Anchor

SME Commercial Financing

Business financing serves established SMEs with demonstrated revenue that need larger working capital or asset purchases: fixed assets purchases, receivable financing, bulk inventory, shop fit-outs, commercial supplies or trade purchases. Facilities are underwritten on a fuller file – six to twelve months of business bank statements, sales records (POS or e-commerce data where available), business registration and the principal's credit profile. A personal guarantee of the principal is standard, registered security over financed assets (PPSA) applies at the upper end of the range and a dedicate portfolio insurance would be included.

Glass commercial van representing vehicle and equipment financing

Enable

Equipment and Vehicle Commercial Financing

A later phase extends the platform to equipment and commercial vehicle financing such as food trucks, delivery vehicles, commercial kitchen equipment, salon and clinic fit-outs, light machinery; using Murabaha for purchase-to-own and ijarah (lease) structures where leasing better matches the asset's life and the customer's cash flow. The expected facility range starts from as low as $50,000, secured on the financed asset. The line is out of scope for launch and is recorded here so that the origination platform, contract engine and asset registration workflows accommodate it without re-architecture.

Glass production line representing pay-in-four financing

Pace

Buy Now Pay Later

SUNDUS powers an interest-free buy-now-pay-later capability embedded within e-commerce marketplace acting as a trial-to-scale scenario. The customer pays no interest and no markup; the purchase price is split into equal installments — pay-in-4 installments over six to eight weeks, with pay-in-3 monthly as a variant for larger baskets. SUNDUS settles the vendor at order confirmation, the BNPL fee percentage acts as an operational expense up to a pre-determined limit in exchange for immediate settlement, higher conversion and larger baskets. This mirrors the economics of conventional BNPL merchant discount rates while remaining structurally interest-free on the consumer side, and is consistent with Shariah principles because SUNDUS's return derives from a genuine trade discount on a real sale, not from a charge on money.

Glass document and shield representing an approved financing contract

The contract toolkit

The right contract for the right purpose

There is no single Islamic finance contract that suits every business or every need. Buying inventory is not the same as leasing a delivery van, and neither is the same as investing alongside us. So, we match the contract to what you're actually doing.

We also introduce them in a deliberate order. The structures that require the closest monitoring come later, once our accounting and oversight are proven . This is a lesson the Islamic microfinance sector learned at some cost, and one we would rather learn from than repeat.

Every product is approved by our Shariah Advisory Board before it launches, and each approval is published here.