Not open yet — no money moves today. We record your idea and we read it. Nothing is offered, promised or paid until the founder opens funding.
Money for small businesses, from the profit the community’s waqfs have earned. It comes as a partner who shares in your profit. Record a short video and answer a few questions, just as you would in a conversation. This money asks for no debt, no interest, and no part of your company.
Start telling usThis is not a loan. The community’s profit comes in as your partner. The people who put in the money carry the risk of losing it; you bring the work.
Nothing here ever charges or pays interest. The partners earn only an agreed share of real profit.
We take no part of your company — it stays all yours, always. What you take on is a partner in profit for good: an agreed share of what the business earns, for as long as it earns. That is the fair price for money that carries the risk with you and never asks to be paid back.
No money moves today, and nothing is paid for from this page yet. We record your idea and we read it. Nothing is offered, promised or paid until the founder opens funding. Recovery is a record, not money kept in one place. When funding opens, the money comes from the profit the community’s waqfs have earned, as far as there is enough. We will never show you a made-up number.
A yes depends on two things only: how good your idea is, and how much of the profit the community’s waqfs have earned is available.
The money members lent is never spent, and never put at risk in a business. It pays for interest-free loans and nothing else. Money for businesses comes from a completely different place: the profit the community’s waqfs have earned. Recovery is a record of that profit, not a sum of money set aside.
When your business does well, the share of its profit goes back to that same place. It helps the next business owner, and the next family hit by disaster. Your success grows what the community can do for its own people.
Your video and your plan are judged by a team of robots, each with its own job — the same way a company that invests in new businesses judges a deal. Every robot writes down its reasons, so you can read exactly why the answer is what it is. Nothing is hidden, and there is no committee you never meet.
Do people really want what you sell? It looks at nearby competition, how many buyers there are, and whether your prices make sense.
Do the numbers add up? It compares the amount you ask for with your plan, and checks whether the profit you expect is realistic.
Watches your video. How committed you are, whether your skills fit the work, and what you have done before — the person behind the plan matters most.
Only lawful, halal kinds of business are accepted. It checks them against the religious and ethical rules the waqfs follow, and against the licence rules of your country.
Puts the four answers, and their written reasons, together into one advice.
Checks that work for mistakes or unfairness, and signs the final written answer you receive.
The team says yes. The money is paid out as soon as funding is open.
Yes, because the idea is good — it waits on an open, visible list until profit is available again.
Not yet — with clear advice on what to fix. Fix it and send it again as often as you like, with no penalty.
A private, respectful no, with reasons — always with the offer of help to improve, or an ordinary interest-free loan if that fits you better.
The share is agreed with you, deal by deal, and it is always one of three: 60/40, 70/30 or 80/20 — the bigger share is yours. It is not a rate, and it never changes with time. The partnership is permanent: the share goes on for as long as the business earns. Move the sliders to see what that looks like for your business.
And the other side, said plainly: a business can fail. If yours does, the money is lost — and the loss falls on the people whose waqf earned it, not on you. That is what your partner takes on with you, and that is why the share is earned, not charged. Nothing on this page is a forecast or a promise; the figures below only show how the sums work.
This is an example, not a promise or an offer. The split and the time are agreed for each deal before any money moves, and the final terms are written down. After the agreed time ends, 100% of the profit is yours.
Answer a few questions in your own words. We write up your idea from your answers. You check it and correct it, record your short video, and send it. About five minutes from start to end.
Step 1/3 · talk → check → video
Here is your idea as we wrote it from your answers. Correct anything that is not right — these are your words, not ours.
Who is asking, and why. If this partnership is funded, the money comes from the profit the community's waqfs have earned — it belongs to people who lent it as waqf, and Fotoh must be able to tell them where it went. So we need your full details, and your word that they are true. We never ask for: a Social Security number, a tax number, a photo of a document, or a photo of you — and you pay nothing to send your idea: no subscription, no membership and no fee of any kind.
Now the most important part: a short video, up to 90 seconds (about 60 is best). Look at the camera and tell us what you are building, and why you are the right person to build it. The robots — and any person who reviews it — see you, not a paper file.
Your video is private. Only the review team sees it. It is never published and never made public — unless, after you are funded, you yourself choose to share your story.
No camera, or the recording is not working? Upload a file — or send it without a video, and we will ask you for it before review.
No made-up success stories here. When the first businesses are funded, and their owners choose to share, their real stories — in their own videos — will be on this wall. One of them could be yours.