The 100% Model

Seed Out is 100% interest-free — here's how your Zakat keeps it that way

Every loan Seed Out gives an entrepreneur or student carries 0% interest. That only works because donors fund the operations separately — and Zakat, which Islamic law doesn't allow to be lent out, is exactly the fund that keeps it running.

Your Zakat

Calculated on your net zakatable assets and given in full — never lent out, never revolved.

Powers Our Operations

Funds the screening, disbursement, and recovery team behind every campaign on the platform.

0% Interest to Entrepreneurs

Because operations are already funded, 100% of project donations reach beneficiaries interest-free.

Where your Zakat goes

Zakat cannot be revolved as a loan, so unlike a project donation it is never lent out to an entrepreneur. Instead, your full contribution goes directly into Seed Out's operations — the team, screening, and infrastructure that keep interest-free financing running for everyone else.

Powers Seed Out's Operations Funds the screening, disbursement, and recovery infrastructure behind every interest-free loan
Verified Beneficiaries 7-step screening ensures the entrepreneurs we serve are truly deserving
100% Secure & Transparent Track every rupee through your donor dashboard
Zakat Eligible Certified for Zakat, calculated on your net zakatable assets
Nisab Reference
Gold: 87.48g (7.5 Tola)
Silver: 612.36g (52.5 Tola)
Zakat Rate: 2.5% of net zakatable assets
Zakat Calculator

Enter estimated values for each asset type below. Liabilities are deducted automatically and your Zakat (2.5%) is calculated live.

Cash In Hand / Bank
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$
$
Gold & Jewellery
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Silver
00
$
Landed Property
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$
Value of Goods In Stock
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$
$
General Liabilities
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Total Net Worth
$ 0
Zakat Payable (2.5%)
$ 0

Zakat is a non-revolving fund — it is not issued as a loan to entrepreneurs, so your full contribution goes directly to Seed Out's operations.

Secure & encrypted  ·  0% platform fee
Why Donors Trust Seed Out

What makes Seed Out different

0% Interest

Every loan Seed Out gives is a 100% interest-free loan to a beneficiary — never a penny more than what was borrowed.

The 100% Model

Private and corporate donors — and Zakat — cover our operating costs, so 100% of project donations revolves toward entrepreneurs and students.

No Cash Involved

We hand over tools, stock, and equipment directly, or pay universities against the challan form — so funds are always used as intended.

FIFO Policy

Every beneficiary is treated equally on a strict first-in, first-out basis. No favourites, no shortcuts.

We Share Their Burden

A relaxed repayment policy provides a grace period, or a 100% waiver in cases of death or unforeseen circumstances.

Biggest Loan Size

Our average loan is PKR 100,000, with the largest reaching PKR 200,000 — plus full fee coverage at listed public universities.

Prestigious international

Awards

Islamic Development Bank Prize

First time in 32 years of Islamic Economics, a Pakistani non-profit (Seed Out) wins the IsDB Prize for Impactful Achievement in Islamic Economics.

Commonwealth Youth Awards

Seed Out founder Zain Ashraf is the first Pakistani to receive the Commonwealth Youth Award for excellence in development work.

Forbes 30 Under 30 Asia

Pakistan's first crowdfunding platform for interest-free micro-financing; our founder was featured in Forbes 30 Under 30 (Social Entrepreneurs).

Global Islamic Finance Award

Recognised for an innovative, transparent microfinance model that connects donors directly with entrepreneurs through technology.

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Entrepreneurs fundraising right now

Muhammad Saleem Entrepreneur Pakistan | Bahawalnagar

Muhammad Saleem

Egg Salesman

Muhammad Saleem requires $350 to expand his egg sales business.

  • Entrepreneur
  • Retail

0 Donors

$0 funded of $350
Donate
Muhammad Arshad Entrepreneur Pakistan | Bahawalnagar

Muhammad Arshad

Photo State Machine (2nd Loan )

Muhammad Arshad requires $525 to buy a new photo state machine for his business.

  • Entrepreneur
  • Services

0 Donors

$0 funded of $525
Donate
Kashif Entrepreneur Pakistan | Bahawalnagar

Kashif

Live stock

Kashif requires $350 to expand his livestock business and support his family.

  • Entrepreneur
  • Services

0 Donors

$0 funded of $350
Donate
Ghulam Ayesha Entrepreneur Pakistan | Bahawalnagar

Ghulam Ayesha

Clothing (2nd Loan )

Ghulam Ayesha requires $525 to expand her clothing business and improve her life.

  • Entrepreneur
  • Clothing

1 Donor

$9 funded of $525
Donate
Arslan Nazeer Entrepreneur Pakistan | Bahawalnagar

Arslan Nazeer

Fruits shop

Arslan Nazeer requires $245 to expand his fruit shop and support his family.

  • Entrepreneur
  • Services

0 Donors

$0 funded of $245
Donate
Naseem Akhtar Entrepreneur Pakistan | Bahawalnagar

Naseem Akhtar

Grocery Store

Naseem Akhtar requires $350 to expand her grocery store and support her family.

  • Entrepreneur
  • Retail

1 Donor

$40 funded of $350
Donate
Lishba Aziz Entrepreneur Pakistan | Bahawalnagar

Lishba Aziz

Jewelry Shop

Lishba Aziz requires $350 to expand her jewelry shop and support her family.

  • Entrepreneur
  • Retail

0 Donors

$0 funded of $350
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Muhammad Islam Entrepreneur Pakistan | Bahawalnagar

Muhammad Islam

Mobile Accessories

Muhammad Islam requires $350 to expand his mobile accessories shop.

  • Entrepreneur
  • Services

0 Donors

$0 funded of $350
Donate
Dilshad Hussain Entrepreneur Pakistan | Bahawalnagar

Dilshad Hussain

Live stock

Dilshad Hussain requires $525 to expand his livestock business and support his family.

  • Entrepreneur
  • Agriculture

2 Donors

$493 funded of $525
Donate
Safia Lateef Entrepreneur Pakistan | Bahawalnagar

Safia Lateef

Clothing

Safia Lateef requires $350 to revive her clothing business and support her family.

  • Entrepreneur
  • Clothing

0 Donors

$0 funded of $350
Donate
Muhammad Shafiq Entrepreneur Pakistan | Bahawalnagar

Muhammad Shafiq

Clothing

Muhammad Shafiq needs $350 to expand his clothing business.

  • Entrepreneur
  • Clothing

0 Donors

$0 funded of $350
Donate
Umer Farooq Entrepreneur Pakistan | Bahawalnagar

Umer Farooq

Live stock

Umer Farooq needs $525 to expand his livestock business and support his family.

  • Entrepreneur
  • Agriculture

0 Donors

$0 funded of $525
Donate
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