EN · United StatesIslamic financing software,
fully automated
Murabaha, ijara, musharaka and more in one system — for Islamic banks, windows and finance companies.
Connects to 1,700+ services out of the box
How it works
From the first request
to the final instalment
Four steps, one system. Every team sees the same customer and the same contract.
- 01ApplyOnline, in the app or at a branch, with the contract type chosen up front.
- 02VerifyID, anti-fraud, credit bureaus and sanctions run in one pass.
- 03DecideRules and scoring approve, decline or route to a specialist.
- 04Contract & collectThe bank buys the asset and sells it to the customer at a fixed price.
Working with customers
Sharia-compliant customer journeys
Every step, from application to the final instalment, follows the structure approved by your Sharia board.
Applications by contract type
Customers choose murabaha, ijara or another structure and apply online or at a branch, with drafts saved.
Notifications in the right terms
Approvals, instalment and rental dates reach customers by SMS, email and WhatsApp.
Rewards and promo codes
Reward programs and promo codes that waive fees, set up to stay Sharia-compliant.
Customer portal
See contracts and schedules, pay early or request a restructure in a few taps.
Contracts generated automatically
Murabaha, ijara and wakala documents are generated and signed at every stage.
Decisioning
Every contract type,
one set of rules
Murabaha, ijara, musharaka, mudaraba and more, each with its own profit schedule, checks and documents.
- Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
- Profit and rent fixed at signingEvery schedule uses the profit and rent agreed when the contract is signed.
Checks and payments
Customer checks and halal payment flows
Customers are verified before any asset is bought, and every payment is matched to its contract.
Client checks
Customer checks in one pass:
- Anti-fraud servicesDevice, behaviour and blacklist checksPass
- Identity verificationNational ID, selfie and livenessPass
- Credit bureausFinancing history and current obligationsPass
- Government registriesID, tax and court registriesPass
- Sharia screeningSource of income and business activityReview
- Additional data sourcesOpen banking and employer dataAuto
Payment infrastructure
Asset purchases and instalments, cashless or cash:
- Bank transfers
- Direct debit
- Cards
- Instant payments
- Branch cash
Contract servicing
Every contract and every
payment on one screen
Follow profit schedules, rentals and asset ownership for every contract, without spreadsheets.
- Profit and rentals calculated automaticallyProfit, rentals, fees and schedules are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
- Contract structures configured, not codedMurabaha, ijara and other structures, with their rules and scenarios, are set in the admin panel.
- Notifications tied to every instalmentInstalment dates, recalculated amounts and late payments trigger messages to the customer and your team.
Reporting and analytics
Profit, assets and charity, fully reported
- 25+ ready reportsContracts by structure, profit recognition, asset inventory and overdue instalments.
- Sharia audit and BIReports for your Sharia board and data exports for BI and audit tools.
- Accounting and taxProfit, rentals, charity payments and tax post to your local accounting systems.
Integrations
Plugs into what
you already use
Payments, KYC, open banking, credit data, messaging and e-signature, ready to switch on.
1,700+
connectors across 172 markets
Portals
One platform, three portals
Everyone works in the same system and sees only what their role allows.
Customer portal
Customers apply, pay and follow their contracts online.
Staff portal
Managers, analysts, risk, verifiers and collectors work side by side.
Super-admin portal
Products, roles, permissions and rules change without a release.
A seat for every role
Each person sees exactly what their job needs, nothing more.
- Loan manager
- Analyst
- Risk manager
- Verifier
- Collector
- Operator
- Supervisor
- Manager
- Super-admin
Questions
Frequently
asked
Didn’t find the answer? Write to us and we’ll reply within one business day.
Which Islamic contract types are supported?+–
Murabaha, ijara, musharaka, mudaraba, istisna and more, each with its own schedule and documents.
How is profit calculated?+–
Profit is fixed in the contract when it is signed, by the rules of the contract type. The schedule is built from that agreed amount, so nothing changes during the term.
Can our Sharia board review products?+–
Yes. Each product, contract template and schedule can be sent for board review, and approvals are stored with the product version.
How does it integrate with banking systems?+–
Through ready connectors and an open REST API. Core banking, accounting, payment rails, credit bureaus and ID check providers connect without replacing what you already run.
How long does implementation take?+–
A standard SaaS launch takes 1–2 weeks. On-premise installations and migrations from another system usually take 6–10 weeks.
Full islamic financing specification
83 features with the integrations that come ready, on one page you can print or save as PDF.
Book a demo
See lendhero on your
own products
We’ll walk you through the platform, show what matters for Islamic financing and answer questions about your business.
- A 30-minute call
- A walkthrough on your products and markets
- Answers on timeline, integrations and pricing