9 months

Min. Investment

৳ 10,000

Projected ROI

17% annualized

Risk Grade



AdvancePack is a printing & packaging materials manufacturer (eg; shoe boxes, carton boxes made of corrugated paper) serving domestic and multinational businesses (2-3 major clients). The business mainly manufactures shoe boxes, accessories boxes, and similar carton boxes. The business is seeking funds to purchase bulk raw materials to serve more work-orders smoothly.

This is a “buy-and-sell” (Murabahah) contract where investors can enjoy an ROI of 12.75%* over 9 months (annualized expected return of 17%).

*subject to investment risk (details below)

Jatrabari, Dhaka, Bangladesh


৳ 1,970,954 Raised
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Goal: ৳ 1,000,000
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By Jannat
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The Business

Accordion Content

Written by Advancepack 

AdvancePack is a printing & packaging materials (eg; shoe boxes, carton boxes made of corrugated paper) manufacturing business working since 2015. Our Factory is located at Jatrabari, Dhaka. We are working with corporate (both national & multinational) companies. Our main product is corrugated printed cartons & shoe boxes. We are looking for funds to be able to work on more work-orders. 

Factory Address: Samad nagar, Vanga press, Jatrabari, Dhaka


💡 Is the business Shariah-compliant?

  • The business model (selling corrugated cartons & shoe boxes) 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.

Written by AdvancePack

I am Md. Mokhlesur Rahman Miron, owner of AdvancePack. I have completed my B.Com (Hons) & MBA (Major in Finance). I have worked in an IT firm from 2005 to 2009. After that, I worked in a corrugated printing & packaging business as a Finance Manager. I started my own business in 2015.

  • Serving renowned brands (both national and multinational)
  • Good networking with renowned brands driving regular work-orders
  • Owner with relevant experience & expertise

The Contract

Accordion Content

The investment is for a period of 9 months, from January 2024 to September 2024.

Projected ROI: 12.75% 

Projected ROI (annualized): 17% Annualized

Example: If someone invests BDT 100k in the project, he/she can expect to receive a total of BDT 112.75k by September ‘24.

biniyog.io will be charging investors a 5.56% fee on their profits. Example: If an investor invests BDT 100k and makes a profit of 13.5k in 9 months, biniyog.io will charge 0.75k as a service fee. This means investors will be keeping 94.44% of the profits generated. The net ROI for the investors will be 12.75% for 9 months (17% annualized) after deducting biniyog.io’s fee. 

  • Investors will go into a Murabahah agreement (sale contract) with AdvancePack for purchasing corrugated paper rolls and other accessories.
  • It will be a “buy-and-sell” process where investors will first buy the products through biniyog.io. AdvancePack will then buy those items from investors on credit and pay the amount after 9 months.
  • 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 AdvancePack.
  • biniyog.io has proposed a price to AdvancePack for the products after considering a minimum 13.5% profit on the actual cost of product procurement. AdvancePack has agreed to it. Investors will be getting a net of 12.75% profit after deducting biniyog.io’s service charge on investor profit.
  • Investors can expect to get their returns over 9 months.

Shariah Compliance

Accordion Content

Investors appoint biniyog.io as an agent to deal on their behalf (Wakalah) and invest in the business through the buying and sale of assets under a “buy-and-sell” (Murabahah) agreement. 

biniyog.io‘s Shariah advisors have approved the basis and application of this Murabahah contract.

Potential Risks

Accordion Content
  • Supply Chain Disruptions: The availability of raw materials could be disrupted due to factors like price fluctuations, supply conditions, or geopolitical issues.
    • AdvancePack’s strategy:  AdvancePack has connections with many suppliers for different types of raw materials with whom they have been working for several years. As a result, the business has access to a reliable sourcing channel. 
  • Delayed payment from customers: The work-orders received by the business come with a credit period. The credit period varies from customer to customer. Customers might delay the payment of work-orders even after the agreed credit period. This might result in the incapability of serving new work-orders which might ultimately result in delayed repayments. 
    • AdvancePack’s strategy: AdvancePack has been working with some reputable companies for a very long time. Such companies usually maintain the payment date agreement and issue new work-orders at the same time. As a result, AdvancePack gets a good amount of orders every season with timely payments. 
  • Political instability: There might be some macroeconomic turmoil towards the end of 2023 before the general election. This may impact the business.

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 considering their cash flow.

biniyog.io will buy the products on behalf of investors first and secure ownership. AdvancePack would have the right to reject the products due to quality etc. The risk is expected to be minimal since AdvancePack will choose the items before biniyog.io buys them.

This is a necessary risk to ensure Shariah compliance of the transaction.

AdvancePack will share a personal guarantee security cheque and installment cheques with biniyog.io. Moreover, a guarantor will be introduced in the contract to add an extra layer of security for the investors.


This investment opportunity is based on a first come first serve basis. Your investment is secured only after your transfer-proof has been received. If the investment quota is already filled, your transferred amount shall be returned.

Return of your capital is NOT guaranteed. Investment, by default, requires a risk appetite. Past performance is not a guaranteed indicator of future outcomes.

biniyog.io only acts as a consultant to the investor and the business, and does NOT manage funds for any party.

biniyog.io does risk assessment to a certain extent, but will NOT be liable if the business does not perform as per expectation.

For any questions, please use the chat icon on the right or leave a message.

  • 29-11-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 10 lac.