The growth partner Pakistan's businesses deserve
Credit when you need it
A halal credit line that's there the moment stock arrives — no applications, no waiting, no interest.
Everyone gets paid upfront
Suppliers and partners are settled day one, in full. We carry the credit so nobody carries the risk.
Repay at your own pace
Clear your balance weekly or monthly as goods sell. On-time repayment grows your limit automatically.
More ways to grow
FINANCING
Stock your shelves without touching your cash
From weekly FMCG orders to seasonal inventory — turn any supplier invoice into halal credit and keep your money working.
Learn about financingPAYMENTS — COMING SOON
Get paid any way your customers pay
QR, cards and a hilalpe business card — every rupee settling into the same account your credit lives in.
Learn about paymentsEvery business is welcome
Starting with the shops that keep Pakistan running — built for everyone who buys and sells.
Grocery & kiryana
Pharmacies
Electronics
Garments
Cafés & food
Auto parts
hilalpe makes growing effortless. Built on trust, honest by design, and halal to its core.
NO INTEREST, EVER
Shariah compliant at heart
Murabaha, done digitally — a fixed price known upfront, certified by our Shariah supervisory board.
PAY AT YOUR PACE
Repay weekly or monthly — your call
Instalments that follow your sales, not a bank's calendar. No compounding penalties, no traps.
The hilalpe effect
Fuller shelves, faster turns, cleaner cashflows.
+32%Bigger average orders
2×Faster restocking cycles
T+0Supplier settlement, day one
0%Interest — always, by design
5 minFrom sign-up to first order
96%Of balances repaid on time
"Pehle mahine mein do baar stock aata tha. Ab har hafte — aur sood ka sawal hi nahi."
AR
Ahmed Raza
Madina General Store, Karachi