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
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$
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 Anas Entrepreneur Pakistan | Gujranwala

Muhammad Anas

Wholesale shop Goli tiki toffee

Muhammad Anas requires $350 to sustain his wholesale shop for Goli tiki toffee.

  • Entrepreneur
  • Grocery shop (Karyana store)

0 Donors

$0 funded of $350
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Muhammad Salman Nasir Entrepreneur Pakistan | Faisalabad

Muhammad Salman Nasir

Grocery store

Muhammad Salman Nasir needs $350 to expand his grocery store and support his family.

  • Entrepreneur
  • Grocery shop

0 Donors

$0 funded of $350
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Haris Sadiq Entrepreneur Pakistan | Bahawalnagar

Haris Sadiq

Electrician

Haris Sadiq needs $525 to expand his electrician business.

  • Entrepreneur
  • Electronics

0 Donors

$0 funded of $525
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Nadeem iqbal Entrepreneur Pakistan | Faisalabad

Nadeem iqbal

Ladies Laces shop

Nadeem Iqbal needs $350 to expand his Ladies Laces shop and support his family.

  • Entrepreneur
  • Ladies laces and nalki Button shop

0 Donors

$0 funded of $350
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Babar Ijaz Entrepreneur Pakistan | Faisalabad

Babar Ijaz

Animal Feed

Babar Ijaz requires $350 to expand his animal feed business.

  • Entrepreneur
  • Animal Feed

0 Donors

$0 funded of $350
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Ali Hassan Entrepreneur Pakistan | Gujranwala

Ali Hassan

Cosmetic Shop

Ali Hassan needs $350 to revive his struggling Cosmetic Shop.

  • Entrepreneur
  • Bengals Shop

0 Donors

$0 funded of $350
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Rameez Ali Entrepreneur Pakistan | Gujranwala

Rameez Ali

Cable work

Rameez Ali requires $350 to manage his struggling cable shop.

  • Entrepreneur
  • General Retail

0 Donors

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

Muhammad Nadeem

Motor bike

Muhammad Nadeem requires $525 to purchase a motorbike and start his own business.

  • Entrepreneur
  • in drive

0 Donors

$0 funded of $525
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