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 disbursed 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 across 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, Evolved.

 SmartSukuk leverages the trusted contract structures of conventional Sukuk,
            but brings online efficiency using the Ethereum blockchain. SmartSukuk 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.

Emerging Market Access. Globally.

Using Blossom's platform, investors get access to unique and interesting projects in emerging markets.

Socially Responsible. Positive Impact.

Projects are evaluated and underwritten not only on financial merit, but on the underlying impact to local communities.

Fully Legal & Regulated

Every investment includes a legally enforceable contract and corresponding legal operating structure to protect investors.

Profit Sharing Model

No up-front administrative or service fees charged to investors. Blossom earns a share of investor profits.

Flexible Investment Options

Blossom's Investor Portal is designed with international investors in mind. Invest using cryptocurrency or via conventional bank transfer.

Fully Shariah Structure

Investments are end-to-end shariah compliant using fully approved shariah structures such as profit-sharing (mudarabah).

Featured Projects


Traditional Market Sellers & Micro-Businesses

Invest in traditional market traders in Indonesia's cultural heartland


Diversified Central Java Microfinance Fund

Portfolio of cooperative microfinance institutions.

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. 

Meet the 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

Founder & CEO

Jamil Abbas

Jamil Abbas


Khalid Howladar

Khalid Howladar

Chief Strategy Officer

Chris Smith

Chris Smith

Blockchain Architect

Featured Blog Posts

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

Wednesday, May 2nd, 2018

Muslims Can Now Pay Zakat in Cryptocurrency

Free service allowing Muslims to pay their annual obligatory charity payment (zakat) owed against cryptocurrency holdings directly using the blockchain

Monday, May 2nd, 2018

Islamic Finance Upgraded: Smarter Sukuk Using Blockchain

Blossom Finance announces “Smart Sukuk” platform for issuing blockchain powered Islamic financing instruments using smart contracts.

Saturday, April 2nd, 2018

Basic Rules for Wakalah (Agency) Contracts (28 of 28)

What are the basic rules of agency (wakalah) contracts? What are the key features of a wakalah?

Friday, April 2nd, 2018

Introduction to Wakalah (agency) Contracts (27 of 28)

What is wakalah? What are the types of wakalah? Why the contract of wakalah is needed?

Thursday, April 2nd, 2018

Application of Istisna in Islamic Financial Institutions (26 of 28)

How is the lease (istisna) contract used in modern Islamic financial institutions and what is the process of "parallel salam"?

Wednesday, April 2nd, 2018

Basic Rules for Manufacturing Sale Contracts (25 of 28)

Learn about construction finance using the istisna contract and the specific conditions and requirements which need to be observed.

Get in Touch

United States

55 E 3rd Ave
San Mateo, CA 94401


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 or call (800) 487-4122.

1. 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.

2. 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.

3. Actual results may differ materially from projected and/or historical returns. 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.

4.  US Residents must qualify as accredited investor under Regulation D of the Securities Act of 1933.

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