Comparison to Traditional Invoice Finance

  • No interest charged: Returns are based on profit sharing, not interest on a loan.
  • Supplier payment focus: Funds are used to pay vendor costs in the transaction chain, rather than advancing a partial percentage of an invoice.
  • Not collateralized lending: Traditional invoice finance uses the invoice as collateral for a loan; SukukFi structures financing as asset backed, profit sharing participation.
  • Operational enforcement: CommTrade enforces routing and profitability in real time, reducing leakage and ensuring funded traffic remains profitable.
  • Settlement-grade audit trail: CDR-based validation and smart contract controls provide transparent, verifiable cash-flow tracking.