Islamic sale principles · One price, no interest
Get the equipment now. Pay one fixed price over up to 6 months.
We buy the equipment or inventory your business needs, then sell it to you at one price, agreed before you sign. Pay weekly or twice a month. The price is the same whether you pay it all at once or over time.
About 2 minutes to apply. Applying doesn't affect your credit. Now serving Florida; other states can join the waitlist.
Your plan
ExampleCommercial deck oven for a bakery
The same if you pay in full today. Plus Florida sales tax where it applies, collected when you sign.
Example only. Your price is set after review.
How does it work?
Everything happens online, from your phone or computer. No calls needed.
- 1
Tell us what you need
A 2-minute form, then upload a few documents, and a supplier's quote if you have one, in your secure portal.
- 2
Get your offer
One price and your payment plan, within 1 business day of a complete file.
- 3
We buy it from the seller
You sign a promise to buy and pay 10% down. Then we buy the item in our name from the supplier.
- 4
You buy it from us
Sign the sale contract online, get your delivery, and your fixed payments begin.
Why one price?
We own the item first, then sell it to you. Because it's a sale, your price is set before you sign and it doesn't change.
Paying early never costs extra, and the price never grows with time. If a payment is 10 or more days late, one small capped late charge applies.
| Rizq payment plan | Pay cash | Credit card | |
|---|---|---|---|
| Cash needed today | 10% down | All of it | None |
| Total known upfront | Yes | Yes | No |
| Price grows over time | No | n/a | Yes, every month |
| Paid off within | 6 months or less | Today | Open-ended |
Built on Islamic sale principles
رزق
A musawamah sale
Every deal is a sale at a price agreed up front, after you promise to buy. Not a loan.
We own it before we sell it
We buy it in our name from the supplier, then sell it to you.
No interest, ever
Your price is fixed at signing and never grows with time. If a payment is 10 or more days late, a small capped late charge applies.
Late charges go to charity
We keep only our actual cost from a late charge. The rest is donated.
Our contracts were designed with reference to AAOIFI Shariah Standards, including No. 8, which covers the promise to purchase, deposits and late payments we use. An independent Shariah board review is planned for 2027, and we'll publish the opinion here when it's done.
Rizq is open to every business owner, whatever their faith.
An example from start to finish
A bakery in Tampa needs a commercial deck oven. The supplier quotes $8,000.
The offer
Or 26 weekly payments of $304.62. Same $8,800 either way.
See every payment
| Payment | Amount |
|---|---|
| Down payment, at your promise to buy | $880.00 |
| Payment 1, Jan 1 | $660.00 |
| Payment 2, Jan 15 | $660.00 |
| Payment 3, Feb 1 | $660.00 |
| Payment 4, Feb 15 | $660.00 |
| Payment 5, Mar 1 | $660.00 |
| Payment 6, Mar 15 | $660.00 |
| Payment 7, Apr 1 | $660.00 |
| Payment 8, Apr 15 | $660.00 |
| Payment 9, May 1 | $660.00 |
| Payment 10, May 15 | $660.00 |
| Payment 11, Jun 1 | $660.00 |
| Payment 12, Jun 15 | $660.00 |
| Total | $8,800.00 |
What we buy
Equipment
Ovens and kitchen gear, auto lifts, mowers, salon chairs, tools and machines. We don't offer vehicles right now.
Inventory
Stock you sell to your customers, bought from your supplier.
Who we can help
- Businesses operating in Florida (other states: join the waitlist)
- Open for at least 6 months
- Buying equipment or inventory from $1,000 to $25,000
- Able to pay 10% down
What you'll need
- A photo ID for each owner of 20% or more
- Your last 3 months of business bank statements
- A free credit report for each owner, which never affects your score
- The seller's quote for the item
Not in Florida?
We're starting in Florida. Tell us where you are and we'll email you when we open in your state. Where people sign up helps us decide where to go next.
Our promises
Your price is fixed when you sign
It's in the contract. Nothing gets added over time.
Pay off early, any time
No penalty and no fee for finishing early.
One small late charge, at most
Only after a payment is 10 days late: $25 or 5% of that payment, whichever is less, once. Anything beyond our actual cost goes to charity.
Your documents stay private
Encrypted, and seen only by you and our review team.
Questions
Who owns the item while I'm paying?
It's yours once you sign the sale contract and it's delivered. Until it's paid off, the contract lets us take it back if payments stop.
Is this Shariah-certified?
Not yet. Every deal is structured as a musawamah sale, and our contracts were designed with reference to AAOIFI Shariah Standards, including No. 8 for the promise to purchase, deposits and late payments. An independent Shariah board review is planned for 2027, and we'll publish the opinion when it's done. Until then, we describe exactly how the sale works so you can judge for yourself.
Do you check my credit?
We don't pull your credit. Each owner of 20% or more uploads their own free report from AnnualCreditReport.com or Credit Karma, which never affects their score.
Can I suggest a supplier?
Yes. You choose exactly what you need, and you're welcome to send us a supplier's quote. We decide where to buy it, in our own name, and then sell it to you.
What happens if I pay late?
We'll email you the same day and try your backup payment method. Your price never grows. After 10 days, one small late charge may apply to that payment.
How fast is it?
Applying takes about 2 minutes. Once your documents are in, we reply within 1 business day.
Is the price different if I pay in full?
No. The price is the same whether you pay it all at once or over the plan.
Ready when you are
See if your business qualifies in about 2 minutes. Outside Florida? Join the waitlist.