{
  "riskGrade": "B+",
  "fundRaised": 1519580,
  "highlights": [
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Supplyline_Enterprise/S1.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Supplyline_Enterprise/S2.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Supplyline_Enterprise/S3.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Supplyline_Enterprise/S4.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/Supplyline_Enterprise/S5.jpeg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/SupplyLine_Limited/SL.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/2.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/3.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/4.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/5.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/6.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/7.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/8.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/9.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/10.jpg",
    "https://byiocdn.sgp1.cdn.digitaloceanspaces.com/public_web/contract_type_intro/Murabaha/12.jpg"
  ],
  "shortIntro": "Serving thousands of retailers, helping them grow in profitability and sales volume\n",
  "riskDetails": [
    {
      "text": "Macroeconomic situation putting pressure on standard retails sales: Selected Retailers generate revenue by selling grocery and other daily essentials. Due to the current macroeconomic situation, the retailers may face an unforeseen drop in sales if people reduce their overall spending. This may result in delay in repayment, or less purchase by retailers. If retailers purchase less, investors’ profit will also decrease. 📌Possible mitigation: The retail stores have been selected by a standard assessment process and good transaction history. They are expected to sustain even after macroeconomic pressure. Possibility of missing repayment deadline: The sales of daily goods is quite volatile. Because the sales vary widely day by day. For example, a retailer might generate sales of BDT 50,000 in one day of a particular time period of the month but they may fail to generate sales of BDT 50,000 for consecutive days at a different time period of the month. This may also reduce investor’s profits. 📌Possible mitigation: Most of the retailers already have been availing credit through SupplyLine, and they have a good repayment history so far. However, this risk will always remain. Economic Stability: Ongoing global economic uncertainty, including the economic impact of the Iran conflict and broader geopolitical tensions, may lead to volatility in commodity prices, exchange rates, inflation, and consumer demand. Any prolonged instability in the global or domestic economy could adversely affect the business's operating costs, sales, and overall financial performance.",
      "type": "Business Assessment"
    },
    {
      "text": "The installment structure has been arranged such that the business can run operations smoothly without being burdened by repayments. biniyog.io has done in-house analyses of the projected returns of the business, and they are expected to be able to repay on time, if not hugely impacted by macroeconomic issues.",
      "type": "Payment Delay"
    },
    {
      "text": "biniyog.io will buy the products on behalf of investors first and secure ownership. The products will then be handed over to SupplyLine within a very short time frame. SupplyLine would have the right to reject the product due to quality and other order specifications. The risk is expected to be minimal since SupplyLine will choose the items before biniyog.io buys them. This is a necessary risk to ensure Shariah compliance of the transaction.",
      "type": "Possession of assets"
    },
    {
      "text": "SupplyLIne will share a guarantee security cheque with biniyog.io. Additionally, a guarantor will be introduced in the contract to add an extra layer of security for the investors.",
      "type": "Security"
    }
  ],
  "businessName": "SupplyLine Limited",
  "contractType": "MURABAHA",
  "projectFocus": "FMCG Trading",
  "fundingTarget": 2500000,
  "fundProcessing": 382000,
  "projectedROIMax": 5,
  "projectedROIMin": 5,
  "ownerDetailsText": "Written by the business Mr. Irfan Rafique, CEO of SupplyLine Enterprise has 12+ years of experience in the retail space and worked in Unilever, a multinational FMCG company.",
  "maximumInvestment": 1250000,
  "minimumInvestment": 5000,
  "campaignRepayments": [
    {
      "status": "SCHEDULED",
      "expectedDate": "2027-02-03T11:30:00.000Z",
      "instalmentNumber": 1,
      "minExpectedAmount": 2625000
    }
  ],
  "detailPageVerified": true,
  "shariahDetailsText": "Underlying Contracts Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest into the business through buy and sale of assets under an advanced buy-and-sell (Bai’ Murabaha) agreement. Approval from Scholars biniyog.io's Shariah Advisors have approved the basis and application of this Murabahah contract.",
  "businessDetailsText": "Value Propositions They have strong connection management with the customers and the suppliers The business model backed by Accelerating Asia, Hustle Fund and HASAN.VC Selected Retailers have a good traction record with them Introduction to the Business Written by the business SupplyLine serves retailers by giving them the best prices for stocking products, and offers collateral-free invoice finance to help them maintain healthy cash flow. They procure the products from renowned FMCG brands having a distributor licence, and using their distribution channel, they supply the products to retailers. They have an order management tool too, which they analyse to help provide collateral-free financing. The retailers who will be given access to financing will be selected based on good location and proper transaction history. SupplyLine seeks funding to offer collateral-free invoice financing to help retailers to maintain healthy cash flow. SupplyLine has raised funds from biniyog.io for retailers 38 times and has already successfully repaid up to the 34th campaign. Currently, 4 campaigns are ongoing, but the total credit limit for SupplyLine will remain unchanged. Explore: Website | Crunchbase FAQ: 💡 Is the business Shariah-compliant? The business model (selling FMCG products) is Shariah-compliant. However, according to our Shariah Advisors, biniyog.io and the investors will NOT be liable if the day-to-day operations of the business are not fully Shariah-compliant. This is because investors will be going into a Murabaha (sale contract), not profit-sharing or partnership. Please find contract details in the “Contract” section below. 💡 Is there any investment risk involved? Investments have risks by definition, especially if they are halal. Please find possible risk details for this campaign in the “Risk” section below.",
  "contractDetailsText": "Duration of Investment The investment is for a period of 16 weeks, expected from September 2026 to February 2027. (Exact date will be finalised after financing is completed) Projected ROI (Return on Investment) Projected Return on Investment (ROI): 5% Projected ROI (Annualized): 15% Example: If an investor invests BDT 100,000 in the project, he/she can expect to receive a total of 105,000 in January 2027. Contract Condition Investors will go into a Murabahah agreement (sale contract) with SupplyLine for purchasing high-selling FMCG items. It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. SupplyLine will then buy those items from investors on credit and pay the amount over the mentioned duration. biniyog.io will act as an agent for the investors and buy the products, take necessary ownership and risk of asset possession on their behalf, and then sell to SupplyLine. biniyog.io has proposed a price to SupplyLine for the products after considering a minimum 5% profit on actual cost of product procurement and SupplyLine has agreed to it. Investors can expect to get their returns over 4 months in 1 installment: 🗓️ 100% in February’ 2027 বিনিয়োগের সময়কাল এই বিনিয়োগটি ১৬ সপ্তাহের জন্য, যা সেপ্টেম্বর ২০২৬ থেকে শুরু হবে বলে আশা করা হচ্ছে। ফেব্রুয়ারী ২০২৭(অর্থায়ন সম্পন্ন হওয়ার পর সঠিক তারিখ চূড়ান্ত করা হবে) প্রত্যাশিত ROI (বিনিয়োগের উপর রিটার্ন) বিনিয়োগের উপর প্রত্যাশিত আয় (ROI): ৫% প্রত্যাশিত বিনিয়োগ ফেরত (বার্ষিক): ১৫% উদাহরণ: যদি কোনো বিনিয়োগকারী প্রকল্পে ১,০০,০০০ টাকা বিনিয়োগ করেন, তবে তিনি ২০২৭ সালের জানুয়ারি মাসে মোট ১,০৫,০০০ টাকা পাওয়ার আশা করতে পারেন। চুক্তির শর্ত বিনিয়োগকারীরা অধিক বিক্রিত এফএমসিজি পণ্য ক্রয়ের জন্য সাপ্লাইলাইনের সাথে একটি মুরাবাহা চুক্তিতে (বিক্রয় চুক্তি) আবদ্ধ হবেন। এটি একটি \"ক্রয়-বিক্রয়\" প্রক্রিয়া হবে, যেখানে বিনিয়োগকারীরা প্রথমে biniyog.io-এর মাধ্যমে পণ্য কিনবেন। এরপর সাপ্লাইলাইন বিনিয়োগকারীদের কাছ থেকে বাকিতে সেই পণ্যগুলো কিনবে এবং উল্লিখিত সময়সীমার মধ্যে অর্থ পরিশোধ করবে। biniyog.io বিনিয়োগকারীদের এজেন্ট হিসেবে কাজ করবে এবং তাদের পক্ষে পণ্যগুলো ক্রয় করে, সম্পদের প্রয়োজনীয় মালিকানা ও দখলের ঝুঁকি গ্রহণ করবে এবং তারপর সাপ্লাইলাইনের কাছে বিক্রি করবে। biniyog.io পণ্য সংগ্রহের প্রকৃত খরচের উপর ন্যূনতম ৫% মুনাফা বিবেচনা করে সাপ্লাইলাইনকে পণ্যগুলোর জন্য একটি মূল্য প্রস্তাব করেছে এবং সাপ্লাইলাইন তাতে সম্মত হয়েছে। বিনিয়োগকারীরা ৪ মাসের মধ্যে তাদের রিটার্ন পেতে পারেন। ১ কিস্তি: 🗓️ ২০২৭ সালের ফেব্রুয়ারিতে ১০০%",
  "fundUtilizationScope": {
    "bn": "ভোগ্যপণ্য",
    "en": "Consumer Goods"
  },
  "protectionPoolChargeFee": [],
  "previousRepaymentHistorySummary": "SupplyLine has raised funds from biniyog.io for retailers 38 times and has already successfully repaid up to the 34th campaign. Currently, 4 campaigns are ongoing, but the total credit limit for SupplyLine will remain unchanged."
}