Sharia-compliant investment and financing · South Africa
Investors place money into pools and borrowers are financed from them, all in one Beezr application. Onboarding, contracts and monthly reconciliation share the same records, integrated with the Tawarruq engine.
Investors arrived through email, with forms and contracts travelling as attachments. Borrower applications followed their own threads and folders. Account questions meant piecing together scattered documents.
Month-end brought both sides together by hand. Bank transactions needed matching against investment and financing schedules. Management lacked a central view across products and pools. A custom build made changes expensive.
The money crossed both sides. The records needed to do the same.
We connected investor and borrower records around the products and pools they use.
Structured forms collect investor details and documents. Contracts are generated, and accounts activate with a unique investor ID. Investment and withdrawal requests keep their pending, approved or completed status.
Investment and financing products each link to a designated capital pool. Contributions and financing allocations follow predefined distribution rules. A profit withdrawal enters its own approval workflow and schedule.
Borrowers complete KYC with document capture and validation. Applications pass through approval before contracts and term sheets are generated. Ratio-based credit scoring supports the application review.
Finance imports bank transactions for monthly matching across both account types. Unmatched payments and duplicates are flagged for handling. Unique IDs match transactions to accounts, while partial payments remain visible as exceptions.
An investor submits details and documents through the structured form.
An investment request is allocated to its predefined pool.
A borrower application moves through approval with its KYC documents.
An account question becomes a ticket with reminders and escalation rules.
The bank file is imported and transactions match by unique ID.
Management sees investor profiles, borrower profiles and pools on the dashboard.
Investor actions keep their status from request to completion.
Borrower contracts and schedules are preserved for audit.
Bank matching flags the exceptions that need attention.
Support tickets carry reminders, escalation rules and resolution history.
Onboarding and KYC · Financial products and schedules · Contracts and documents · Pools and allocation · Reconciliation · Ledgers · Case management
We built these parts around the same investor and borrower records. Reconciliation reads those accounts, and support tickets keep the related interactions together.
If onboarding or month-end reconciliation keeps sending you back to spreadsheets, bring that process. We can map it against the records and approvals it needs.