Shariah-Compliant Funding Helped This Birmingham Retailer Grow 27%

🕌 Case Study: Shariah-Compliant Funding for Independent Retailer

A family-run grocery store in Birmingham needed working capital to stock up ahead of Ramadan — but conventional loans with interest weren’t an option.

🧩 The Challenge
The client had:

• Strong seasonal demand
• Limited cash for inventory
• Religious restrictions preventing use of interest-based loans

💡 The Solution
Fiskal arranged a £40,000 Shariah-compliant funding facility using a Murabaha structure — where goods are purchased on the client's behalf and resold at a pre-agreed markup. This satisfied both commercial and ethical requirements.

📈 The Results

• Stock levels increased by 40%
• Revenue grew 27% during the Ramadan trading period
• Entire facility repaid in 6 months, interest-free

🗣️ Client Feedback
“No one else took our faith seriously. Fiskal delivered a fast, ethical solution we could trust.”
— Ahmed K., Owner