Shariah-compliant financing for green energy
Customers buy solar systems, e-bikes and electric cars at partner shops and pay a fixed amount each month. Merchant-led, AI-scored and fully digital.
Live in Pakistan. Ownara is the green financing platform backed by Burj Clean Energy Modaraba.
How it works
Financing starts at the point of sale
- The customer picks an assetSolar, two-wheel or four-wheel, at a partner shop.
- The shop applies in minutesPhone, ID and documents captured in one app, scored by AI.
- Approved, delivered, paid monthlyA fixed, open price on Murabaha or Ijarah terms. No interest.
Lending (LOS / LMS)
From application to collections, on one system
- AI credit scoringDecisions in minutes, not days.
- Merchant-led originationDealers sell and apply in one app.
- Full loan managementDisbursement, servicing and collections.
- 20+ API integrationsIdentity, credit, AML and payments.
- Shariah-compliantAsset-backed Murabaha and Ijarah.
- Customer appApply, track and pay from the phone.
Live in PakistanBacked by Burj Clean Energy Modaraba
<10 minApplication to approval
20+API integrations
100%Digital, no paper forms
Bring green financing online
Tell us which layer you need. We will reply with a starting point, scope and timeline.