India's First
Halal Technology Platform
Zaylo connects businesses and capital providers through Shariah-supervised commercial participation arrangements — not interest-based lending or guaranteed returns.
Not lending. Not interest.
A new way to back businesses through shared outcomes.
Early Momentum
Bridging Capital for Ethical Industries
How Zaylo Works
Built on partnership, transparency, and shared risk — not interest or debt.
All participation on Zaylo will be governed by formal bilateral commercial participation contracts, where the commercial outcome reflects actual business performance and is shared only if realized — with any loss borne in proportion to capital contribution.
SMEs Request Capital
Verified businesses list working capital needs for specific cycles.
Capital Providers Partner Up
Capital providers fund the opportunity through a bilateral commercial participation agreement.
Commercial Outcome
The commercial outcome — positive or negative — is calculated from actual business performance and settled per the agreement.
Why Choose Zaylo?
A modern, ethical way to fund real businesses — built on transparency and partnership.
Partnership, Not Lending
We enable short-term business partnerships where outcomes reflect real performance — not fixed interest.
Facilitator, Not Custodian
Zaylo only connects the parties. Funds are designed to move through regulated bank and payment partners — we never hold, pool, or control your funds.
Performance, Not Promises
Returns are based on actual business results. No predictions, no fixed percentages, no interest.
Guided Oversight
Every step follows defined ethical principles and governance checks — including Shariah review.
Short Cycles ≈ 30 Days
No long lock-in. Learn, observe, and decide whether to continue each cycle.
Documented Outcomes
Every cycle ends with shared performance reports, so you see how results were calculated.
Built for Small Businesses
Designed to support honest, hard-working SMEs — not speculative trading or debt traps.
Note: Business involves risk. We operate transparently so you can make informed decisions — not assumptions.
Why Zaylo is Different
From Debt to Partnership
No Guarantees ≠ No Protection
How we manage risk without breaking Shariah.
We don't offer false promises of "fixed returns". Instead, we use transparent oversight and strict validation.
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Careful Business Screening
We verify business activities, financial history, halal compliance, and operational capacity.
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Transparent Agreements
Every cycle is tied to a clear partnership agreement reviewed by Shariah oversight.
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Short Cycle Duration
Capital is typically engaged for ~30 days, not years.
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Full Visibility
Capital providers view financial reports, cycle status, and commercial outcome summaries inside the platform.
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Shariah Governance Oversight
A certified Shariah advisor reviews process, contracts, and compliance checkpoints.
How a Cycle Is Designed to Work
*Illustrative flow only. Escrow-based settlement infrastructure is under implementation. No fixed ROI. No promised returns.
Built For Those Who Want Growth Without Compromise
Join the movement replacing debt with partnership.
Businesses tired of debt traps
Individuals seeking ethical wealth pathways
Professionals wanting Shariah-compliant commercial participation
Communities building each other — not banks
Community Voices
Why people allow us to serve them
"Joined recently and everything felt professional and transparent. Really impressed with their credibility. ✅"
From our manual pilot phase, run prior to and outside the current Platform, ahead of introducing full automation.
"Zaylo exists because ethical businesses deserve ethical finance."
Our vision is to replace debt with partnership. We believe that when risk and reward are shared, everyone prospers.
Ready to Partner?
Be part of the first halal technology platform in India. Join the waitlist today.
Disclaimer: Zaylo does not provide loans or guaranteed returns. All capital participation follows a shared outcome model based on business performance. Zaylo (operated by Falzin Technologies Private Limited) functions solely as a technology platform and does not hold or control user funds. Shariah governance is continuously reviewed.