Transparency
Every dollar of cost is disclosed before the customer commits, including where a late payment charge goes. Transparency is enforced by the contract, not promised by the brand.
Ethics enforced by contract, not just promised by the brand.
Values
Ethics
No Riba, no hidden APR, no penalty income. Late-payment charges are routed to a mutual reserve and cannot benefit SUNDUS.
It is a critical condition of the Shariah Compliance.
Discipline
Built by a finance professional: an IFRS 9 reserve, a portfolio placement and a sequenced waterfall sit under the product from the first origination.
A blended SUNDUS Score model and the customer experience behind the technology.
Inclusion
SUNDUS serves every Canadian SME. Shariah Compliance defines how if finances, not who it finances; Ethical sector screening is published and applied uniformly.
Community
Customers become members, members become investors, and the platform becomes a member-owned institution. SUNDUS builds the capital architecture that leads towards the institutional pathway.
Value Propositions
Start where you are.
Financing can start from $3,000. We built SUNDUS to start there; and to grow with you as you prove yourself.
Know your cost on day one.
You see the full cost before you sign, as one disclosed figure. It does not move, it does not compound, and it does not grow if you need more time.
Structured to be right.
Every product we offer is built on a Murabaha structure reviewed by several qualified Shariah Scholars. It is an Ethical Finance any business owner can use, whatever their faith.