If your community-lending nonprofit wants to operate a 0%-interest loan program — the full stack: application review, donor ledger, KYC, compliance, Recovery, and Marketplace orchestration — you can run it on our platform. White-labeled to your brand. Configurable to your community's framework. Live in weeks, not years.
The 0%-interest mechanism is universal. The Bait al-Mal model belongs to no single tradition. We provide the trust infrastructure; you bring your community and your governance.
Regional Muslim community-lending nonprofits operating their own Qard Hassan programs. Sharia-compliance toggle ON. Your own Sharia Supervisory Board. Same engine that powers qardon.org.
Diocesan benevolence funds, biblical-stewardship community lenders, parish-level mutual-aid funds. Partner-defined ethical investment policy and language. We adapt the platform to your framework.
Gemach is the traditional Jewish interest-free lending society, in operation for centuries. Modern gemachs need modern infrastructure. We provide it without forcing you to abandon your governance traditions.
Community-funded interest-free pools operated by gurdwaras and Sikh community foundations. Your sangat. Your governance. Our technology.
Mutual-aid networks, time banks, secular community-finance cooperatives operating 0%-interest pools as a community-resilience strategy. Universal-access language. Same compliance backbone.
If your nonprofit's mission is interest-free lending — regardless of theological framework — and you have 501(c)(3) status (or international equivalent), you're in the audience. Universal.
Application intake (three paths: auto-eProfile, conversational AI, traditional form), AI Application Judge, manual review queue, disbursement orchestration, installment collection, humane-default flow.
Every contribution becomes a perpetually-revolving entry. Donors see cycles, families served, aggregate impact — never identifying details. Optional forgiveness flow for permanent hardship.
KYC, AML, OFAC screening, ECOA non-discrimination guardrails, FCRA-compliant credit decisioning, GDPR + CCPA data subject rights — built in.
Calamity-aid covering missed installments for members hit by medical emergency, job loss, or natural disaster. Funded from your own pool yield or operating budget; rules configurable per partner.
If your community wants peer-to-peer interest-free asset transactions (seller financing for cars, homes, equipment), the Marketplace engine plugs in to your tenant directly. Optional.
Per-tenant D1 partition. Per-tenant R2 storage. Per-tenant Stripe Connect sub-account. Per-tenant AI namespace. Zero cross-tenant data leak by design — verified by CI.
The 0%-interest mechanism is universal. Everything else — language, governance reference, default-treatment framing, investment policy — is your partner-level configuration. Like Stripe enforces PCI-DSS without enforcing your business's faith.
The 0%-fee principle applies at every partner: 100% of every donation enters your pool whole; 100% of every loan reaches your borrower whole. Our fees are paid by you, out of your operating budget — never skimmed from end-user flows.
1 · Monthly SaaS subscription — tiered by your pool size
Pool < $500K
$500/mo
$500K–$5M
$2,000/mo
$5M–$50M
$10,000/mo
> $50M
Custom
2 · Per-application fee — flat $15 per loan application
Flat amount, NOT a percentage of loan amount. This structure is legally critical — it ensures the fee cannot be construed as interest under usury laws.
3 · Referral commission — 5% when we bring you the traffic
When we refer a donor or borrower to your nonprofit (via Live Athan, qardon.org cross-referral, or our masjid widget network), we charge 5% of that transaction value. Paid by your nonprofit out of operating budget — never extracted from the donor's contribution or the borrower's disbursement. A standard B2B referral-services arrangement, NOT a loan-origination kickback.
Plus standard Stripe pass-through (2.9% + 30¢ per payment) — paid by the contributor at each transaction, disclosed transparently, not our revenue.
All three fee layers are paid by YOUR nonprofit from operating budget. The donor sees 0% extraction. The borrower sees 0% extraction. The 0%-fee principle at the end-user layer is preserved at every partner — that's the whole point.
We've built this for institutions that take regulatory bar seriously — because we operate the platform for qardon.org, which has to clear the same bar. Same compliance backbone serves you.
Identity verification on every member, applicant, and beneficiary. Configurable vendor (Persona, Stripe Identity).
Transaction monitoring + sanctions screening across all flows. Standard fintech compliance.
Non-discrimination guardrails on every decisioning surface. No demographic decisioning. Period.
Compliant credit decisioning. Adverse-action notices generated automatically with proper decline-reason codes.
Data-subject rights — access, deletion, portability — built into every partner tenant.
Compliance via Stripe Connect. We never touch raw card data; Stripe handles.
Architectural enforcement. CI scanner verifies every query is tenant-scoped. Zero cross-partner leak.
Each partner can export its own Schedule O/R data, financial inputs, and operating-cost breakdowns directly from the dashboard.
Phase 2 is approximately 12–24 months out. We're collecting early-access interest now. First pilot partners will be referenceable case studies in our second year — preferred terms for these slots.
Your nonprofit signs a partner agreement and receives a tenanted, white-labeled instance of the qardon.com platform — branded to your organization, configured to your governance framework, isolated from every other partner's data. Your donors give to your pool, your borrowers apply through your portal, your board governs your operations. We provide the engine, the compliance backbone, the integrations, and the support. You provide the community, the capital, and the mission.
Three transparent layers: monthly SaaS subscription tiered by pool size ($500 / $2,000 / $10,000 / Custom), flat $15 per loan application processed (NOT a percentage — that's legally critical to avoid origination-fee classification), and 5% referral commission only when we bring you traffic from Live Athan, qardon.org cross-referral, or our masjid widget network. Plus standard Stripe processing pass-through. All fees are paid by your nonprofit out of operating budget — never extracted from donor or borrower flows.
No. Your Board, your Sharia Supervisory Board (or equivalent), your investment policy, your default-treatment language, your community framework — all stay yours. We provide a compliance-framework toggle that adapts the platform to your tradition. We enforce the universal baseline (0% interest, ECOA non-discrimination, KYC/AML, dignity preservation, no court-ordered eviction). Everything else is your call.
Weeks, not years. Multi-tenant architecture means we don't build new infrastructure per partner — we configure your tenant. Brand setup, governance configuration, KYC vendor wiring, custom domain, and pilot-borrower onboarding typically run 6 to 12 weeks. Enterprise tier with custom integrations runs longer.
Yes — architecturally, not just by policy. Per-tenant D1 database partition. Per-tenant R2 storage. Per-tenant Stripe Connect sub-account. Per-tenant AI namespace. Continuous integration scanners verify that every query is tenant-scoped before code ships. There is no cross-partner data leak by design, and no operator at qardon.com can access your data without an audit-logged access event.
No. The Sharia-compliance configuration is a per-partner toggle. Muslim partners turn it ON and get the full Sharia overlay (halal investment policy, defined governance language, Quranic-derived default treatment). Non-Muslim partners turn it OFF and use a partner-defined ethical framework. The universal baseline (0% interest on principal) is non-negotiable for every partner regardless of framework.
Phase 2 — approximately 12 to 24 months from the waitlist opening. First pilot partners will be referenceable case studies in our second year and receive preferred terms for those slots (locked pricing, priority support, early-access feature input). Join the waitlist and we'll reach out when pilot conversations open.