Ethical non-interest finance
Cost-Plus Investment Program
A trade-backed, Shariah-compatible investment structure generating returns from real economic activity, not interest. Capital is deployed into confirmed local content contracts with investment-grade multinational buyers.
Investment terms at a glance
Returns are derived from trade margins on real transactions rather than interest-based lending.
The Opportunity
Capital deployed into real economic activity
Investor funds are used to finance the procurement of approved goods and assets, which are subsequently resold to end buyers under confirmed local content contracts owned by Moneda’s partner SMEs.
These transactions are executed at a pre-agreed markup. Returns are derived from the agreed margin on trade, not from interest. Every deployment is tied to a defined commercial use case and monitored by the Moneda team.
How It Works
Investor commits capital
Minimum US$100,000 tranche committed for a 12-month term under a signed cost-plus agreement.
Moneda procures approved goods
Funds are used strictly for procurement of goods or assets required to execute a confirmed SME contract.
Goods resold at agreed markup
Assets are resold under a pre-agreed cost-plus arrangement. The markup forms the investor return.
Returns distributed on completion
On contract completion, the multinational buyer pays. Profit is distributed semi-annually and capital returned at maturity.
Risk & Security
Designed for capital preservation
01 — Operational Risk
Will the SME perform as required?
Moneda co-executes every contract alongside the SME partner, maintaining operational oversight from procurement to payment instead of acting as a passive financier.
02 — Liquidity Risk
Will the contract complete within the investment period?
Transactions are short-tenured and linked to receivables from investment-grade multinationals, providing stronger visibility on payment timing and completion.
Risk mitigation & security
Compliance Framework
Ethical by structure
This structure is designed to operate within an ethical and Shariah-compatible framework, avoiding interest-based returns and linking performance to asset-backed trade activity with transparent pricing and margins.
Register Your Interest
Complete your investment details
This is a strictly private offering. Please complete the form below. Our team will be in touch within 48 hours to discuss next steps and share full documentation.