Summary of Our

Islamic Compliant Financing

Small Business Murabaha – Islamic Compliant Debt

  • A murabaha is an Islamic financing structure whereby no interest is charged. Instead, the borrower pays a fee in lieu of interest in addition to the principal.

  • Available to startups and existing businesses

  • Financing Amount: Up to $100,000

  • For businesses across Colorado

  • Collateral required for murabahas above $50,000

  • Owner’s contribution required for murabahas above $15,000

  • Fixed Monthly Administrative Fee

  • Flexible terms

Benefits of Murabaha Financing

Sharia-Compliant: Aligns with Islamic principles.

Transparent Fees: Clear and upfront about the cost structure.

Supportive Terms: Equitable Structure: Amortizes in equal, proportional amounts

CEDS Finance has three murabaha products that provide financing up to $100,000.

Spark Product Logo - up to $5000

Spark – Up to $15,000

Elevate Product Logo - up to $20,000 no collateral

Elevate – Up to $50,000

Amplify Product Logo - up to $100,000

Amplify – Up to $100,000

How It Works

#1

Identify what you need for your small business and how much it will cost.

#2

Contact us to discuss your needs and our financing options.

#3

Get paired with an Investment Officer, submit a CEDS Finance application, and return all required documents.

#4

Get approved and help your business grow!

Why CEDS?

What Makes Us Different?

CEDS Finance is the only Islamic compliant financing provider in Colorado. Through consultation with Islamic scholars, local imams, and clients, CEDS created a murabaha product that aligns with the tenets of Sharia law.

  • Provided murabahas since 2015

  • Regularly engages with the Muslim community

  • Customized murabaha and repayment terms

  • No application or pre-payment fees

FAQs

Murabaha financing is a Sharia-compliant agreement where the lender buys an asset and sells it to the borrower at a profit. Unlike conventional loans, it involves buying and selling goods rather than lending money with interest.

Yes, CEDS Finance’s murabaha product is fully compliant with Sharia principles.

Profit rates are determined based on the cost of the asset and a mutually agreed upon profit margin. Rates are competitive and transparent.

There are no hidden fees or charges. All costs are disclosed upfront.

CEDS Finance’s murabaha offers Sharia-compliance, fixed profit rates, transparency in transactions, and no interest payments, making it an ethical financing option.

CEDS Finance will consider any sector except for adult entertainment, gambling, guns, cannabis, and illegal activities.

CEDS Finance cannot invest in or lend to non-profit organizations.

CEDS Finance conducts character-based underwriting, and as such, there is some flexibility in the lending criteria. Each applicant is considered individually as the business owner. Some sectors have more stringent criteria.

Start-up and existing businesses are eligible for CEDS Finance murabahas.

Our murabaha criteria is:

  • For-profit business
  • Business based in the state of Colorado. 
  • Business owners do not have to be US citizens.
  • Business owner(s) shall provide owner’s contribution above $5,000– or their own cash — into the business. Recent and related business purchases may be considered.
  • Business owner(s) shall pledge collateral of at least 50% of the value of the loan (such as business assets, personal vehicles, or other items of value).

CEDS Finance provides financing between $100 and $100,000.

Experience: Convey all related experience – either in your sector or in owning a business.

Planning: Business owners who have planned for their growth (timeline, future expenses, developed a marketing plan, business projections, full business plan, etc.) are often more prepared for financing. Additionally, business owners who have a proven revenue stream or a well thought-out business plan are better able to submit a strong application.

Owner’s Contribution: The more a borrower has personally invested into the business, the stronger the loan application.

Collateral: The higher the total value of all pledged collateral (business assets, personal vehicles, etc.), the stronger the loan application.

CEDS Finance’s work – the underwriting – only begins when the applicant has submitted all documents. Each applicant is assessed individually and possesses unique strengths and weaknesses. Applicants with complex businesses or who request a higher loan amount, for instance, typically take longer than smaller requests or simple business models.

There are many free and low-cost resources available to support you. We can provide personal, individualized referrals to many of these resources, and we offer one-on-one consulting sessions and trainings on key areas of business development.

Success Story

DURDUR WHOLESALE AND RETAIL

“I have plans to grow my business. When I have the money, I will have more products and more customers…I can do it.” – ABDURAHMAN AHMED MOHAMED