FINANCING STRUCTURES
Financing Structures for Members
Asset-backed. Profit-sharing. Lease-to-own. No interest.
Murabaha
Trade & asset financingCost-plus financing for equipment, vehicles, inventory, and raw materials.
6–60 monthsMudaraba
Investor & manager partnershipMember provides capital, cooperative manages. Profits shared 70/30.
12–48 monthsMusharaka
Partnership financingJoint venture for business expansion and new projects. Minimum $5,000.
12–60 monthsIjara
LeasingLease-to-own for equipment, vehicles, and commercial property.
12–84 monthsWorking Capital
Short-term business financingFinancing for inventory, payroll, and seasonal needs.
3–12 months
PROTECTION & OVERSIGHT