About Bulaal

Halal financing, built around small business

We help business owners get the stock, equipment and capital they need, on terms that are fair, clear and consistent with their faith.

Our story

Why we started Bulaal

Too many business owners in Somalia turn down financing because it comes with interest, and their businesses are held back as a result. Bulaal Finance exists to give them another way.

Today we offer Murabaha, Ijara, Musharaka and Qard Hasan to traders, manufacturers, transport operators and service businesses, and we measure our success by theirs.

Our mission

To help businesses grow through fair, transparent and Sharia-compliant financing.

Our vision

A thriving small-business economy with access to ethical finance for everyone who needs it.

Our values

What guides every decision we make

  • Integrity

    We only offer products we can explain clearly and stand behind, both as business and under Sharia.

  • Transparency

    You see the price, the profit and every instalment before you sign, in plain language.

  • Partnership

    Our success depends on yours. We share risk the way Islamic finance intends.

  • Growth

    We finance real activity (stock, equipment and expansion) that creates jobs and income.

Sharia compliance

How we keep every product Sharia-compliant

Compliance is not a label we add at the end. It shapes how each product is designed, documented and delivered.

  • Real assets only

    Every deal is linked to a real asset or business activity, never to money lent for money.

  • No riba

    No interest is charged, and a price never grows because you need more time.

  • Clear terms

    Price, profit share and schedule are fixed and written down before you sign: no excessive uncertainty (gharar).

  • Halal activity

    We only finance businesses and purchases that are permissible.

For investors

Already investing with Bulaal?

Your investor portal shows your capital balance and profit shares, lets you download statements, and handles withdrawal requests.

Go to the investor portal

Ready to grow your business?

Apply online in a few minutes, or talk to our team first. There is no obligation and no cost to apply.

Apply for financing Talk to us

We reply by email or phone, whichever you prefer.

  • No interest, ever
  • Sharia-compliant
  • Four ways to finance
  • Free to apply