India's First
Halal Technology Platform
Zaylo is the software MSMEs use to formalize, track, and settle trade cycles with the capital contributors they already work with, not interest-based lending or guaranteed returns.
Not lending. Not interest.
A new way to run the capital you already have, documented, tracked, and fairly settled.
Early Momentum
Industries MSMEs on Zaylo Operate In
150+ real-world trade cycles were completed during a manual pilot phase, run prior to and outside the current SaaS platform, before this software's escrow and settlement automation existed.
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.
Set Up Your Cycle
Your business configures the trade cycle in its own private instance and invites the capital contributor(s) you already work with.
Formalize & Fund
Your contributor deposits into a bank-held escrow through your instance, and the agreement is digitally signed. No discovery, no matching.
Automated Settlement
Zaylo's software calculates the outcome and hands it to your appointed Escrow Trustee, who instructs the bank to settle.
Why Choose Zaylo?
A modern, ethical way for MSMEs to formalize capital arrangements they already have, built on transparency and partnership.
Partnership, Not Lending
We enable short-term business partnerships where outcomes reflect real performance, not fixed interest.
Software Provider, Not Custodian
Zaylo licenses the software an MSME uses to formalize a trade cycle with the capital contributor it already knows. Funds are designed to move through regulated bank and payment partners; Zaylo never holds, pools, or controls 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 MSMEs, 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 Handshake to Documented 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.
- ✓
Rule-Based Vendor Validation
Every vendor payment is checked against the MSME's own pre-approved vendor list and pre-agreed limits before it's ever passed to the Escrow Trustee. No outside screening of your relationship.
- ✓
Transparent Agreements
Every cycle is tied to a clear partnership agreement reviewed by Shariah oversight.
- ✓
Short Cycle Duration
Capital is typically engaged for ~30 days, not years.
- ✓
Full Visibility
Capital providers view financial reports, cycle status, and commercial outcome summaries inside the platform.
- ✓
Shariah Governance Oversight
A certified Shariah advisor reviews process, contracts, and compliance checkpoints.
How a Cycle Is Designed to Work
Between an MSME and the capital contributor it already knows.
*Illustrative flow only. Escrow-based settlement infrastructure is under implementation. No fixed ROI. No promised returns.
Built For MSMEs Who Already Have Someone Backing Them
Formalize the capital relationships you already have, without becoming debt.
MSMEs tired of informal capital that goes silent when a cycle goes wrong
Businesses that want their contributor relationships to survive a bad month
Owners who want a documented, Shariah-aligned alternative to a bank loan
Family businesses who want a paper trail before the next generation takes over
"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 Formalize Your Next Cycle?
Zaylo is the software layer for MSMEs who already have a capital contributor. Get started today.
Disclaimer: Zaylo is a software-as-a-service provider. It does not introduce, match, or recommend capital contributors to MSMEs, and does not hold, pool, or control any party's funds. All commercial arrangements are agreed directly between the MSME and its own capital contributor(s) and executed through independent, regulated banking and escrow partners. Shariah governance is continuously reviewed.