Salam Capital
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🕌 Digital Islamic finance · Lomé, Togo · WAEMU zone

Fund your projects.
Purify your wealth.
Interest-free, with full confidence.

Salam Capital is the Togolese Islamic finance platform: Sharia-compliant financing requests (Murabaha, Ijara, Qard Hassan), Zakat calculation & payment, and donation campaigns for the projects that keep our communities alive.

Request financingDiscover causes to support
100%
Sharia-compliant
3 000
Active clients
300 M
FCFA disbursed

3 000

Active clients

300 M

FCFA financed (halal)

47 M

FCFA raised in donations

6

Sharia-compliant products

Our products

Three ways to finance, without ever touching riba

Every product is validated by the Sharia Compliance Board and presented with a fixed, transparent margin — no interest rate, no compounding penalty.

Murabaha

Buy goods or a service

Salam Capital buys the goods for you and resells them to you with a fixed commercial margin, known in advance.

Example: equipment at 450,000 FCFA → 510,000 FCFA over 12 months, i.e. a fixed 42,500 FCFA/month.

Ijara

Lease equipment

Leasing with an option or transfer of ownership at the end — useful for costly professional equipment.

Example: utility vehicle leased for 18 months, ownership transferred at the last instalment.

Qard Hassan

Social microcredit / emergency

A loan with no margin or interest — only the actual processing fees are charged. Reserved for essential needs.

Example: medical or school emergency, repaid in instalments with no margin at all.

How it works

From request to disbursement, in 3 steps

  1. 1

    Choose your path

    A financing request for your project, or a public donation campaign.

  2. 2

    Analysis & score

    Bank statement, financial statements and KYC feed the client score or the campaign moderation.

  3. 3

    Disbursement or publication

    A compliant offer disbursed within 48h, or a campaign published to receive donations.

Do you have a business project?

Submit your financing request — Murabaha, Ijara or Qard Hassan — and receive your client score within 48h.

Request financing

Want to support a cause?

Browse active campaigns or propose your own: water, education, health, entrepreneurship, orphans.

See campaigns
Governance

Sharia Compliance Board

Every product, every campaign and every incidental income is reviewed by the Board before going live.

Sharia Compliance Board100% compliant
  • Sharia opinion on active products6 / 6
  • Purification of non-compliant incomegiven to charity