Invest in Changing Lives

Commercial Financing With Social Benefits


Microfinance aims to create or grow profitable businesses that generate livable incomes. Microfinance institutions are community led and operated banks that provide banking facilities to marginalized communities.

These community banks provide savings products help grow the wealth of the community and provide commercial financing to help micro-entrepreneurs grow their revenues and incomes.

Your investment helps community banks extend financing to create and grow more micro-businesses.

Profitable & Sustainable

Typically, your investment yields a 6-8% return per year, and the principle investment capital is returned after 6 or 12 months. Every 3 months you'll receive a profit-sharing contribution and report detailing the positive impact of your investment. 1

Fund Model Reduces Risk

Your investment is pooled into a fund with multiple investors and dispursed accross dozens of community banks and thousands of individual entrepreneurs. This way, money can be used where its needed most urgently, and your risk is diversified accross a broad portfollio.

Strictly Ethical

Not all microfinance is created equal. Financing via Blossom's platform is used strictly to finance income-generating businesses—never for consumer spending. The aim of each investment is to increase a family's overall household income—and to put the loan sharks out of business.

Ethical Capital Market


 Smart Sukuk leverages the trusted contract structures of conventional Sukuk,
            but brings online efficiency using the Ethereum blockchain. Smart Sukuks cannot include usurious loans, margin trading, or exessive speculation. All businesses and projects must meet strict criteria including screening that prohibits any activities that could cause harm to society.

Global Investor Access

Using Blossom's platform, qualified microfinance institutions can raise funds from a variety of individual and institutional investors from all around the globe.

Profit Sharing Model

Blossom's contract structure aligns the interest of investors with microfinance institutions using a profit sharing structure. Blossom takes no up front administrative fees or service charges.

Fully Shariah Structure

Blossom's platform is designed with end-to-end shariah compliance in mind. All contracts (uqood) use fully approved shariah structures such as profit-sharing (mudarabah) and cost-plus asset purchase (murabahah).

Fast & Easy Fundraising

Blossom's platform aims to streamline and accelerate microfinance fundraising process so institutions can focus on serving their members instead of dealing with banks.

Receive Local Currency

Blossom's platform funds its partner institutions in their own local currency, so they no longer need to rely on risky foreign loans which carry heavy foreign exchange risk.

Fully Licensed & Regulated

Blossom handles regulatory and tax matters so institutions can focus on their core business. Blossom's investments are full licensed and regulated in their respective jurisdictions.

Incredibly better banking. Made by incredible locals.

See why communities LOVE their local BMT.

The “BMT” model combines a for-profit motive (“Baitul Tamwil”) with a social-benefit motive (“Baitul Maal”). BMTs provide core banking facilities to marginalized communities where traditional banks don't operate or charge fees beyond what the community can afford.

BMTs drive wealth creation within local communities via savings programs and microfinance, and then use their commercial returns to fund social enterprise projects that solve local problems while providing sustainable income to the poor.

How it Works


Unlike peer-to-peer platforms which carry risk of indivudal default, Blossom uses a fund model. Your investment risk is diversified accross a portfollio of BMT community banks which in turn invest into thousands of micro-entrepreneurs accross various regions in Indonesia. 

Blossom Fund Model

Core Team


        We're passionate about helping great investors and great institutions succeed and prosper together.
We have more than two decades of financial services technology and software services industry experience.

Matthew J. Martin

Matthew J. Martin

President & CEO

Mufti Mohammad Abu Bakar

Mufti Muhammad Abu Bakar

Head of Sharia Compliance

Featured Blog Posts


Get news, read announcements, and follow our multi-part learning series
on topics relvant to ethical investment & Islamic finance.

Monday, April 23rd 2018

Bitcoin & Ethereum Islamic Microfinance Fund Opens to Public

Saturday, April 21st 2018

21 - Introduction to salam (forward sale)

Friday, April 20th 2018

20 - Modern Application of Ijarah Contract

Wednesday, April 18th 2018

18 - Introduction to ijarah

Tuesday, April 17th 2018

17 - Applications of mudarabah in Islamic financial institutions

Monday, April 16th 2018

16 - Basic rules of mudarabah

Get in Touch

Phone: (800) 487-4122

United States

55 E 3rd Ave
San Mateo, CA 94401

Indonesia

Level 38, Tower A, Kota Kasablanka
Jl. Casablanca Raya Kav. 88 Jakarta 12870

Important Legal Info

Blossom is a trademark of Blossom Labs, Inc. a U.S. Delaware Corporation. For inquiries, contact info@blossomfinance.com or call (800) 487-4122. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Blossom is not a financial advisor and statements appearing on Blossom's website and communications from Blossom do not constituate financial advice.

Historical Returns are not intended as a promise of future results. Blossom Investments are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, the exposure to any single Note, Beneficiary or group of Notes or Beneficiaries, as well as macroeconomic conditions. US Residents must qualify as accredited investor under Regulation D of the Securities Act of 1933.

 Actual results may differ materially from historical data. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, exposure to any single Note, Beneficiary, or group of Notes or Beneficiary, as well as macroeconomic conditions.

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