The premiere alternative financing provider for high-growth technology startups in MENA and SEA, our mission is to systematically unlock fast, shariah compliant non-dilutive capital.

Murabaha Margin on Financing
How It Works: Capifly offers financing based on a company’s annual recurring revenue (ARR), typically up to one-third of ARR with a cap of $1.5M per deal. They use a Murabaha structure (a Sharia-compliant cost-plus-profit model), charging a margin of 15%-20% on the capital provided, depending on the borrower’s risk profile and credit score.
Strategy: They leverage proprietary credit-scoring technology to assess risk, targeting high-growth tech firms that banks often overlook. The quick, 2-minute application process attracts a high volume of applicants, increasing deal flow. By focusing on recurring revenue rather than equity, they appeal to founders who want to avoid dilution.
Revenue Source: The profit margin (15%-20%) over the repayment period (typically 12-24 months) is their primary income. For example, a $100K loan at 20% margin means $120K repaid, netting $20K profit.

Volume of Non-Dilutive Capital Deals
How It Works: Capifly aims to deploy large capital pools—like their planned $10M facility—across multiple startups. Each deal generates a margin, so more transactions mean more revenue.
Strategy: Expansion into markets like Saudi Arabia and Southeast Asia (e.g., Malaysia registration) broadens their customer base. They target digital sectors (SaaS, gaming, ads, marketplaces) with a combined MENA market size of $15B+, projected to hit $25B by 2025. Their Sharia-compliant model taps into Islamic financing demand, a competitive edge in these regions.
Revenue Source: Cumulative margins from a growing portfolio of loans. If they fund 20 startups at $500K each with a 15% margin, that’s $1.5M in profit over the repayment terms.

Special Purpose Vehicle (SPV) Fund
How It Works: Capifly is setting up a $10M SPV fund, where investors contribute capital, and Capifly manages it to issue loans. They take a 30% carried interest (profit share) on returns generated from the fund’s investments.
Strategy: This diversifies their income beyond direct lending. By pitching to investors seeking Sharia-compliant, high-ROI opportunities, they secure capital without bearing the full risk. Their tech-driven credit scoring reassures investors of low default rates.
Revenue Source: 30% of the fund’s profits. If the $10M generates $3M in margins, Capifly earns $900K as carried interest, separate from their direct lending revenue.

Potential Advisory or Service Fees
How It Works: While not explicitly stated, fintechs like Capifly often charge setup or advisory fees for structuring deals or providing financial insights based on their credit-scoring engine.
Strategy: Positioning themselves as a tech-driven leader in alternative financing, they could monetize their expertise or platform access, especially as they plan to underwrite debt for other financial institutions.
Revenue Source: Small, upfront fees per transaction (e.g., 1-2% of the loan amount) add a steady trickle of income.