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 Rashid Entrepreneur Pakistan | Bahawalnagar

Muhammad Rashid

Clothing

Muhammad Rashid requires $350 to expand his clothing business.

  • Entrepreneur
  • Clothing

0 Donors

$0 funded of $350
Donate
Nimra Jhanger Entrepreneur Pakistan | Bahawalnagar

Nimra Jhanger

Beauty salon

Nimra Jhanger requires $350 to expand her beauty salon.

  • Entrepreneur
  • Beauty Salon

0 Donors

$0 funded of $350
Donate
Arif Ali Entrepreneur Pakistan | Faisalabad

Arif Ali

Clothing

Arif Ali needs $280 to expand his clothing shop and support his family.

  • Entrepreneur
  • Boutique / stitched clothes

0 Donors

$0 funded of $280
Donate
Muhammad Afzal Entrepreneur Pakistan | Bahawalnagar

Muhammad Afzal

Retail

Muhammad Afzal requires $245 to expand his retail business and support his family.

  • Entrepreneur
  • Retail

2 Donors

$152 funded of $245
Donate
Hassan Mehmood Entrepreneur Pakistan | Bahawalnagar

Hassan Mehmood

Shoes shop

Hassan Mehmood needs $350 to expand his shoe shop and support his large family.

  • Entrepreneur
  • Retail

0 Donors

$0 funded of $350
Donate
Javed Iqbal Entrepreneur Pakistan | Bahawalnagar

Javed Iqbal

Services (Pearls)

Javed Iqbal needs $175 to buy pearls for his jewelry business.

  • Entrepreneur
  • Other

0 Donors

$0 funded of $175
Donate
Rafaqat Ali Entrepreneur Pakistan | Gujranwala

Rafaqat Ali

Grocery Shop

Rafaqat Ali requires $350 to sustain his grocery shop and support his family.

  • Entrepreneur
  • Retail

2 Donors

$309 funded of $350
Donate
Muhammad Shakeel Abid Entrepreneur Pakistan | Faisalabad

Muhammad Shakeel Abid

Sofa Poshish

Muhammad Shakeel Abid needs $350 to expand his sofa poshish shop and support his family.

  • Entrepreneur
  • Sofa Poshish carpenter

0 Donors

$0 funded of $350
Donate
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