Tajirs meet merchants. Financing happens instantly.
Shaamilkar Tajir is an embedded financing platform that lets merchants receive instant settlement and traders access Shariah-compliant, asset-backed financing — through a single modern workflow.
One platform. Three parties.
Instant Shariah-compliant trade finance.
Tajir digitises the merchant-to-buyer financing flow — replacing manual credit, settlement delays, and paperwork with a single embedded financial layer.
The Tajir
Traders, retailers, and SMEs who need inventory now — and structured Shariah-compliant terms to pay over time.
Shaamilkar
The licensed embedded financing & settlement layer — instantly disbursing to merchants and orchestrating compliant repayment from tajirs.
The Merchant
Wholesalers, manufacturers, and distributors who want instant payment, reduced credit risk, and access to new buyers.
Selection
Tajir submits his Merchant's invoice and demands a Murabaha.
Submission
The Selected Merchant validates the invoice.
Murabaha Offer
Shaamilkar buys the goods and offers the Murabaha to the Tajir upon agreed terms.
Disbursement
Tajir accepts the Murabaha and takes possession of Shaamilkar's goods from the Merchant.
Repayment
Tajir sells the goods and repays Shaamilkar as per the agreement.
Tajir transaction ledger — live preview
Infrastructure that finally fits how Pakistan trades.
We rebuilt trade finance for the way merchants, distributors, and SMEs actually move goods — fast, transparent, and Shariah-aligned end-to-end.
Instant merchant settlement
Sub-3-second payouts directly into merchant accounts — eliminating receivables risk and freeing up working capital.
Embedded financing infrastructure
Merchants offer financing at the point of sale; tajirs unlock structured credit — without ever leaving the platform.
Shariah-aligned by design
Every transaction is asset-backed and reviewed under a structured Murabaha framework — supervised by AlHamd Shariah Advisory.
Modern risk infrastructure
Real-time credit scoring, transaction monitoring, and fraud screening — purpose-built for the Pakistani SME profile.
Digital workflows, not paperwork
Replace WhatsApp invoices, post-dated cheques, and ledger books with a single auditable digital workflow.
Built for Pakistan's scale
Architected on cloud-native infrastructure that scales from a single bazaar merchant to thousands of nationwide distributors.
An operating system for embedded trade finance.
Every tool a merchant or tajir needs — onboarding, financing, settlement, reporting — in one modern fintech surface.
Instant disbursement engine
Real-time merchant payouts with full audit trail, fraud screening, and Shariah-compliance verification — settled in seconds.
Merchant onboarding, in minutes
Self-serve digital KYB, document verification, and instant scoring — get merchants live on the platform without paper trails.
Transaction management
A unified ledger for every order, disbursement, and repayment — searchable, exportable, audit-ready.
Smart repayment tracking
Automated schedules, reminders, and reconciliation — keeping every tajir on track and every ledger balanced.
Approval workflows
Configurable financing approvals with role-based access — built for institutional governance.
Real-time risk engine
Behavioural scoring, transaction monitoring, and fraud signals — calibrated for the Pakistani SME profile and continuously retrained.
Developer-grade APIs
Composable APIs and webhooks to embed Tajir financing inside any merchant POS, ERP, or B2B marketplace.
Pricing, terms, and what you should know.
Tajir is a Shariah-compliant Murabaha financing product. We disclose pricing, fees, and terms in plain language before any transaction is executed — and before any account is opened.
Profit rate & APR
Tajir transactions are structured as Murabaha — a cost-plus sale. The financier (Shaamilkar) purchases the goods at cost and resells them to the tajir at a pre-agreed mark-up paid in installments. There is no compound interest and no late-payment penalty rolled into principal.
The applicable profit rate, processing fees, and total cost of financing — including indicative Annual Percentage Rate (APR) — are disclosed on the product Terms & Conditions and inside the customer agreement before any transaction is executed.
Terms & documentation
Every customer receives, in plain language, before signing: the goods being financed, the cost price, the agreed mark-up, the total amount payable, the repayment schedule, all applicable fees, the consequence of late or missed payments, and the dispute and grievance process.
Customer-facing Terms & Conditions, Privacy Policy, and Shariah opinion are made available before account opening and remain accessible inside the customer dashboard.
Tajir Questions & Answers
Common questions about financing limits, Murabaha terms, and onboarding.
Under SECP digital lending approvals, Shaamilkar Tajir provides financing up to PKR 3,000,000 (Rs 3 Million) for eligible small business merchants and retail buyers.
Once an invoice is submitted and verified, settlement to the merchant occurs within seconds, eliminating cash-flow bottlenecks and credit risk.
Financing is structured strictly under Murabaha (cost-plus sale). Shaamilkar purchases inventory from the merchant at cost and sells it to the buyer with a transparent mark-up paid in installments. No compound interest or late penalties are added to the principal.
Retailers and distributors can onboard directly through the Tajir mobile app or web portal by submitting their CNIC and business credentials for rapid digital verification.
Build the future of trade finance with us.
Merchants, tajirs, institutional partners, and investors — we'd love to talk about how Tajir fits into the way you grow.