Halal Business
Financing.
Finally.
Invest with integrity. Borrow with trust. EthicaFi is the Shariah compliant platform connecting values aligned investors and business owners across America.
Banking on Values
Not Interest.
EthicaFi is a peer-to-peer financing matchmaking platform built on Islamic financial principles. We bridge the gap between business owners who need ethical capital and investors who want halal returns all within a compliant, transparent, and technology driven platform.
We don't lend money. We don't pay interest. We match partners. Every financing arrangement is structured through Shariah compliant contracts reviewed and certified by our Shariah Advisory Board.
Shariah Certified Contracts
All financing products are reviewed and certified by our Shariah Advisory Board before listing.
Built on Ethical Principles
Every product is structured around Islamic financial principles - no interest, no riba, no compromise.
Community First Platform
Designed by and for the American Muslim community, with a broader invitation to all ethical investors.
One Platform. Two Paths.
Built for You.
Whether you're growing a business or growing your wealth, EthicaFi has a path designed around your values.
Grow Your Business Without Compromising Your Faith.
You've built something real. Now you need capital to take it further without taking on interest-based debt. EthicaFi connects you with investors ready to back ethical businesses.
- Shariah compliant financing for your business needs
- Transparent terms with no hidden fees
- Streamlined application with real human review
- Access to a community of values aligned investors
Grow Your Wealth the Right Way.
Your money should work as hard as your ethics. EthicaFi gives you access to vetted, real business investment opportunities that generate returns through profit-sharing not interest.
- Halal returns through real business performance
- Thoroughly vetted borrower applications
- Diversified investment opportunities
- Full visibility into where your capital goes
Simple Process. Serious Standards.
Three clear steps - from registration to returns. Every step compliant, every contract certified.
Apply or Register
Tell us who you are - a business owner seeking financing or an investor seeking returns. Complete your profile including identity verification and eligibility review.
Get Matched
Borrowers are vetted by our compliance and Shariah Advisory teams, then listed on the platform. Investors review opportunities and commit capital to aligned projects.
Funds Move Securely
All funds will be handled through a licensed third-party escrow service. Once contracts are executed, funds are disbursed. Returns are distributed as repayments are made.
Every step is compliant, every contract is certified, and every dollar is accounted for.
Built Different. On Purpose.
Shariah Certified
Every financing product is reviewed and certified by our Shariah Advisory Board. No compromises, no exceptions.
Real Partnerships
We connect business partners who share values and goals, not just transactions. Relationships built on mutual benefit.
Radical Transparency
Clear terms, disclosed fees, and full visibility into how financing is structured and how returns are calculated.
Compliance First
Registered and operating in compliance with CFPB, FinCEN, and Florida OFR regulations from the very beginning.
Simple Fees. Nothing Hidden.
Our fee structure is Shariah certified, openly disclosed, and designed so both sides of every transaction know exactly what they're paying and why.
Borrower Platform Fee
A one-time service charge deducted from your financing at disbursement. You see the net amount before you sign, no surprises. Tiered by deal size so larger financings cost less proportionally.
Investor Servicing Fee
A small annual fee on your deployed (active) capital, covering ongoing loan monitoring, repayment processing, and investor reporting. Charged only when your capital is working.
All platform fees are classified as Ujrah — a service charge under Islamic finance principles reviewed and certified by our Shariah Advisory Board. They are not interest, not riba, and not tied to the use of money. Full fee schedules are disclosed in writing before any funds move.
Built by People Who've
Lived the Problem.
EthicaFi wasn't born in a boardroom. It was built by two people who saw a gap in ethical financing and decided to close it.
EthicaFi exists because of a moment Asaif lived firsthand. When he set out to start a business, he discovered what millions of Muslim entrepreneurs face every day, a financing landscape with almost no Shariah compliant options. That gap became the mission.
With nearly a decade in data analytics and technology across finance and consulting, Asaif brings the systems thinking and technical depth to build a platform that's not just ethical in values, but rigorous in execution. He leads all day-to-day operations, platform development, and growth strategy at EthicaFi.
Beyond EthicaFi, Asaif serves as Vice President of the South Florida Muslim Chamber of Commerce and is an active contributor to GSA, an Islamic school dedicated to education and community development.
Mohamed has spent his career doing one thing exceptionally well, helping business owners build, scale, and protect what they've earned. As a CPA, wealth strategist, and multi-company CEO, he brings the financial depth and structural rigor that a platform like EthicaFi demands from day one.
He leads a global team of CPAs and Certified Accountants, has held executive roles as Founder & CEO of Accountants on Air, CEO of Vetmore Organization, President of Dweidson Holdings, CFO at MediaGO, and Managing Partner of Legacy TCP LLC. His specialty in tax strategy and business structure gives EthicaFi a financial foundation few early-stage platforms can claim.
Mohamed earned his BBA in Accounting from CUNY Baruch College's Zicklin School of Business, where he now gives back as a mentor to the next generation of entrepreneurs.