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Attractive risk-adjusted returns
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Short investment horizons with monthly repayments
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Minimum investment amount
How it works
Auto-investing
Balanced Auto-investing
13%-15% p.a.
Finance a range of creditworthy businesses to build a balanced portfolio. We’ll only allocate 10%
or less of your total portfolio to any one business.
Receive and reinvest your monthly repayments to increase your returns up to 15% per year.
Balanced Auto-investing aims is to achieve the highest possible returns from the available opportunities whilst diversifying your risk.
Conservative Auto-investing
10.4%-13% p.a.
Your funds will only be allocated to businesses that are backed by a government guarantee or physical collateral.
Receive and reinvest your monthly repayments to increase your returns up to 11.7% per year.
Conservative Auto-investing is ideal for a risk-averse investor whose priority is capital preservation.
Investment
Calculator
Invested Funds
AED
Investment Period
Months
Balanced Auto-investing
Conservative Auto-investing
Invested Amount
AED
Yield
%
Total Return
%
IRR
%
Total Cash Return
AED
Investing with Funding Souq
| empty |
Private Credit
via Funding Souq
|
Real Estate |
Stock Market
(S&P500)
|
High Yield Sukuk or Bonds |
|---|---|---|---|---|
| Target Net Returns | 15% p.a | 8% p.a | 9.4% p.a | 6% p.a |
| Time to Double Your Investment | 4.8 Years | 9 Years | 7.7 Years | 12 Years |
| Regular Monthly Income | ||||
| Low Correlation to Other Asset Classes |
Shariah Compliance
At Funding Souq, our core values revolve around offering investment and borrowing opportunities that align with the principles of Shariah. We attained our certification from Dar Al Sharia which is a subsidiary of Dubai Islamic Bank. To ensure our commitment to these principles, our in-house Sharia Supervisory Board diligently evaluates each investment opportunity, conducting regular reviews of our processes. For more details, you can access our certificate by clicking
Supporting Local SMEs
Working in the diesel trading industry requires continuous maintenance of our premises to ensure safety of our operations. In the pandemic our cashflows got affected and we reached out to Funding Souq. The team was very quick and transparent in responding to our needs.
Arbab Kamal Ahmad,CEO
Shining Star Diesel
Our vision is to expand and provide logistic services all around the world. For our UAE operations, Funding Souq has been a reliable funding partner as they quickly acted on our finance need. I look forward to working with Funding Souq in the future again.
Freight Move Logistics,CEO
Tinil Mukkalitharayil Markose
This is the third time we borrow from Funding Souq and overall the experience has been positive. The funds helped us secure a large project that really moved the needle for our company.
Pansoft Technologies,CEO
Mohammed Nazim Shaikh
Testimonials
Hani Alrifai
Private Investor
Family Business
“ I was able to diversify my investment and lower my risk by investing in 25 different businesses without any additional effort. ”
Mohammed Arab
Sales Director
Zid E-commerce
“ The team was very quick to respond to my queries. Very smooth. ”
Christian Kunz
Head of Group Strategy and Innovation
DIFC
“ The overall experience was simple & easy. I applied and got the approval in less than 48 hours. The rest of the process was very simple. ”
Mohammed Khalfan
Managing Director
Al Anwar Trading & Contracting
“ The platform and the investments are decent and at times I wish I wasn’t limited to the $5,000 regulatory limit as I don’t qualify to be a professional investor. ”
Yaseen Al-Tajer
Project Engineer
Cummins Inc
“ It is easy to track both the past transactions and the future repayments. I like how it is accessible to check everything straightforward. ”
In the News
Islamic finance entrepreneurs eye new frontiers
The global Islamic finance services industry’s value hit $2.19tn in 2018, according to the Islamic Financial Services Board. But growth was slower than the previous year, at a rate of 6.9 per cent rather than 8.5 per cent. The board said geopolitical and economic trends were partially behind the slower pace of expansion.
Saudi Crowdfunding Platform Funding Souq Raises $2.5M In Seed Capital
Saudi-based crowdfunding platform Funding Souq said that it has raised $2.5 million in a seed funding round, bringing its total funding so far to $2.82 million.The latest funding round was led by angel investors, including the Partner at 500 Global Amal Dokhan, Omar Aljeraisi, Christian Kunz, and existing investors Partner at STV Mazin Alzaidi, Musaab Hakami, and IslamicFinanceGuru.
Shams and Funding Souq collaborate
In keeping with their strategic alliance, Funding Souq (FS) and Sharjah Media City (Shams) have raised approximately Dh10 million through a special programme intended to lend to approved small- and medium-sized entrepreneurs and projects associated with Shams. To further support the expanding business community, the initiative is anticipated to reach Dh35 million in the near future. The programme’s 100th loan was distributed this year.
Saudi-based Funding Souq raises $2.5 million Seed
Founded in 2020 by Martin Jaouni, Funding Souq connects investors with SMEs looking to raise funding with ticket sizes ranging between $20,00-150,000, enabling investors to get more exposure to SME lending and realise an internal rate of return (IRR) of 20 per cent. he funding will go towards developing more synergies between the company's network of debt investors and family offices and banks to launch new Shariah-compliant fintech products, with plans to expand its regional presence.
Our Partners
FAQs
Funding Souq is a regulated entity by the DFSA and in turn, has a Business Cessation Plan that is reviewed on an annual basis. As a Category 4 license holder, Funding Souq is required to have a minimum capital commitment which will be resorted to if the business was to cease trading. If the business ceases to trade the uninvested funds will be returned to the respective investors’ bank accounts. Also, a repayment schedule and an outstanding payment statement will be sent to you within 5 working days. All existing financing contracts will remain valid, and legally binding and installments will continue to be collected as projected.
Funding Souq has been developed on our proprietary server. Funding Souq has leveraged the “best in breed” security features such as encryption, identity and access management, and network security. These features are applied across the whole platform from the holding of data, application access, web communications, and back office operations. We are committed to implement and continuously improve security-aware software development, operational management, and threat-mitigation practices that are essential to the strong protection of services and data.
If you are dissatisfied with Funding Souq’s service, we urge you to email our Compliance department at [email protected]. Our team will investigate the matter with the aim of understanding whether we have acted fairly and within our contractual obligations. Upon concluding the investigation, a final written response will be provided. In case you don’t feel that your complaint has been resolved, you may then contact the DFSA. The DFSA is the independent regulator of all financial and ancillary services conducted within the DIFC. Contact the DFSA:
- Dubai Financial Service Authority
- PO Box 75850,
- Dubai, UAE
- Level 13, West Wing, The Gate, DIFC
- Phone: +971 (0)4 559 2108
- Complaints Portal: https://www.dfsa.ae/en/MediaRelease/Complaints
- Further information can also be found at www.dfsa.ae
Funding Souq Ltd is authorized and regulated by the Dubai Financial Services Authority under number F005822. All contracts are drawn up under DIFC Law.
Investors are not charged any fees.
Borrowers get charged an origination fee that is dependent on the riskiness of the underlying business and the tenure of the loan. The fee varies from a one-off of 2-5%. Funding Souq doesn’t charge any additional fees.
Borrowers get charged an origination fee that is dependent on the riskiness of the underlying business and the tenure of the loan. The fee varies from a one-off of 2-5%. Funding Souq doesn’t charge any additional fees.
The platform acts as a marketplace for investors looking to lend their money and businesses seeking funding. Investors can register on the website and if approved they will be allowed to deposit funds onto the platform or lend to businesses directly. As the businesses repay, the investor can choose whether to re-invest or withdraw their funds. Businesses seeking to borrow funds can go through the registration process and, if successful, will be asked to provide supporting documents. Once received, Funding Souq will conduct extensive due diligence on the underlying business and in turn either approve or reject the financing request. If approved, a fundraising campaign will be launched, and approved investors will have the option to finance the request. Conditional to the finance request being fully funded, the funds will be released and sent to the business. Funding Souq will manage the repayment process and facilitate installments made by the borrowers to the corresponding investors.
Funding Souq is a digital lending platform that connects established businesses with investor (lenders). The platform uses technology to connect both parties through the principle of crowdfunding, - i.e. raising small amounts of funds from many individuals.
