Good returns.
Great impact.

Invest in halal, real-economy sector businesses supporting families.

Award from The Asset 2020 "Most Innovative & Best Green Deal"Award from Kuala Lumpur International Finance Festival 2019 "Most Outstanding Micro Credit Company"Award from IFN 2018 "Most Innovative Use of Blockchain for Islamic Finance"

Make your money go further.

One investment, many businesses.

Whether you invest $100 or $100,000—your investment is smartly allocated across many micro-businesses.

We use the power of technology to deploy funds from you and other investors across a wide range of micro-businesses. This reduces your overall risk. No single micro-business adds signifiant risk to your investment.

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You invest for the future.
We handle the daily grind.

We automatically manage your portfolio of hundreds of micro-businesses to ensure your investment is productive.

Our partner network actively checks on individual businesses daily and weekly to ensure they're on track.

You'll receive a monthly report about the progress of your investment, and the impact it's making—from information directly collected on the ground by us and our partners.

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Blossom historical performance chart for BMT Bina Ummah Variable Profit Rate Sukuk

Solid results, even in a crisis.

Investing in micro-businesses is not just feel-good investing—it's sensible investing.

We're proud of our results. Despite a global crisis, recent investments on the Blossom platform returned 14.3% to investors in 12 months despite lockdowns during the height of the Covid-19 crisis.

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How it works

We believe you deserve the best investment opportunities. So we used technology to cut out the middlemen.

We call it SmartSukuk®. It's a better type of halal investing. And it’s available wherever you are, whatever your investment amount.

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Create your profile

Tell us about your investment preferences, & take a selfie with your ID to verify your identity.

Deploy your funds

Put your money to work immediately in hundreds of productive businesses.

Share the profits

Earn monthly profits and see the positive social impact you're making.

Why should you invest with us?

Attractive Returns

Investments target returns of
10-15% over a 12 month period

Income Generating

Your investment generates an attractive profit sharing payment each month.

Strictly Halal

We share your values. We only accept verified halal businesses & partners.

Social Impact

Your investment helps generate livable incomes for hard-working families; providing valuable services in their community.

Diversified for Reduced Risk

We Spread your investment across many micro-businesses from dozens of different industries to reduce your overall risk.

Productive Not Predatory

All funding is used for productive, business growth with a reasonable cost of funds for businesses. Loan sharks hate us.

Start investing with just $100 today.

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We only make money when you make money.

Profit-sharing means we’re invested and fully aligned with you.

We believe in risk-sharing. That's why we earn our fee by earning you profit. If you make less profit, our fee is lower. We're in this together as partners for prosperity.

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Help build a resilient future.

Directly fund economic recovery at the grass roots level.

We believe that “whoever does an atom’s weight of good will see it”. And we mean literally: you'll see the impact of your investments at the grass roots improving the prosperity of families.

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Decades of experience
working for you.

We bear the boring bits to help improve your financial future.

Our team includes experts in investment, risk rating, banking, microfinance, & technology all working together to deliver the optimal return on your investment while making the best impact in society.

Mashup of the Blossom team
Illustration of Indonesia fisherman unloading fish from boat.

The best global practices working on a local scale.

Our structure is better so that
your risk is reduced.

Securitization is a fancy word for a powerful idea: your investment is backed by hundreds of real businesses. There's strength in numbers, and there's strength in diversity. You get both when you invest with us.

Our pricing is the proof.

We take a share of profits. No management fees.

Pricing based on profit-sharing means we only make money when you make money. We've got skin-in-the game with you.

Conservative
10% Gross Profit
Moderate
12.5% Gross Profit
Aggressive
15% Gross Profit

Amount you invest

$1,000
$1,000
$1,000

Example profit generated

$100
$125
$150

Our fee

$20
$25
$30

Profit you receive*

$80
$100
$120

Your annual net return*

8%
10%
12%

Based on twelve (12) month tenure. For illustration only. Your actual returns will vary. Net return excludes bank transfer fees and foreign exchange fees you may incur from your bank and/or correspondent banks. See full risk disclosures in footer for important information about other risk factors.