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Our commitment to Shari’ah Compliance

Compliance is not merely a function or department here at Lendo. We hold our business conduct according to Islamic Ethics inclusive of principles and values.

Why is Lendo Shariah Compliant?

The remarkable thing about the Islamic Finance industry is that it has observed massive growth, not just in Muslim states, but globally. At Lendo, we understand our investor’s needs and obligations.  

Therefore, we have worked with Islamic finance experts and Islamic legal advisors to create and abide by a structure that ensures all the invoice financing solutions we provide are shariah compliant.

How Morabaha Works?


SME Appoints Lendo as it’s agent to buy commodity. Lendo buys commodity from Trader 1


SME then sells the commodity to Lendo at Cost + Profit on deferred terms


Lendo sells the commodoty to Tarder 2

How Does Lendo Ensure Shariah Compliance?

When SMEs apply for invoice financing, Lendo makes sure to thoroughly check that their business activity and use of funds are in line with the principles of Sharia. And only then are they forwarded to be displayed on the Lendo platform as an investment opportunity. 

Our team is trained to ensure that these values are regularly and consistently met. Moreover, our Sharia Supervisory Board oversees all processes and products and suggests any changes they think should be made.  

Lendo believes in doing business simply, transparently and ethically without compromising on your faith and religious values.

Certified by the Shariyah Review Bureau

Our operations, relationship management, documentation, and all other kinds of business related activity have been reviewed by the globally renowned Shariyah Review Bureau. 

They have issued a certificate confirming that we are Shariah Compliant.

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