6 months

Min. Investment

৳ 10,000

Projected ROI

15% per annum

Risk Grade



1 payment by the end of January’24


SupplyLine is a B2B Trading & Invoice financing platform. They serve retailers by giving them the best prices for stocking and offer collateral-free invoice finance to help them maintain healthy cash flow. 

The company is looking to raise funds to purchase rice for  their own brand; SupplyLine 28 (সাপ্লাইলাইন আঠাইশ). Investors can expect to get an ROI of 7.5%* over 6 months. 

*subject to investment risk (details below)

Mirpur, Dhaka, Bangladesh

SupplyLine Enterprise

৳ 2,110,500 Raised
৳ 0 Being Processed
0 Days Left
Goal: ৳ 2,000,000
The campaign is successful.
By Banna
10 Campaigns | 0 Loved campaigns

The Business

Accordion Content

Written by SupplyLine- verified by biniyog.io ✅ 

SupplyLine offers a one stop solution of retail distribution through its network and enables banks and financial institutions to provide Invoice Financing for Retailers against their purchases through the platform. SupplyLine procures the products from renowned FMCG brands having a distributor licence, and using their distribution channel, they supply the products to retailers. They have an order management tool too, which they analyse to help provide collateral-free financing. They have a unique business model which is backed by Accelerating Asia and Hustle Fund.

For Details

Website link: Click here to visit
Media Coverage: View here
Crunchbase link: Click here to visit

Office address: 270, Old Sonali Bank Building, Ibrahimpur Primary School Road, Dhaka – 1216

💡 Is the business Shariah-compliant?

  • The business model (selling grocery items) 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 SupplyLine- verified by biniyog.io ✅

Mr. Irfan Rafique; CEO of SupplyLine Enterprise has 11+ years of experience in the retail space and worked in Unilever, a multinational FMCG company. The other two co-founders have diversified experience in startups.

  • Introduced own branded product (SupplyLine 28 – সাপ্লাইলাইন আঠাইশ)
  • Robust experience and Good grip over the overall supply-chain
  • Collateral-free Invoice financing facilities to retailers 
  • Consistent sales volume

The Contract

Accordion Content

The investment is for a period of 6 months, expected from end of July 2023 to January 2024.

Projected Return on Investment (ROI): 7.5%
Projected ROI: 15% annualized

biniyog.io will NOT charge the investors any fees for this service. 

Example: if someone invests BDT 100K in the project, he/she can expect to receive a total of BDT 107.5K by January‘24.

  • Investors will go into a Murabahah agreement (sale contract) with SupplyLine for producing rice brand; SupplyLine 28
  • It will be a “buy-and-sell” process where investors will first buy products through biniyog.io. SupplyLine will then buy those items from investors on credit and pay the amount over 6 months in 1 payment.
  • 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 SupplyLine
  • biniyog.io has proposed a price to SupplyLine for the products after considering a minimum 7.5% profit on actual cost of product procurement. SupplyLine has agreed to it.
  • Investors can expect to get their returns over 6  months in 1 payment
  •  100% by the end of January’24

Shariah Compliance

Accordion Content

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

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

Potential Risks

Accordion Content
  • Risk of missing the expected purchasing schedule: If the business fails to stock rice;SupplyLine 28 on time, they might be unable to resell all the stock at the expected price and time. This situation might cause the business to experience a some decrease in revenue, and it can reduce the overall profit margin as well.

SupplyLine’s Strategy: SupplyLine 28 is the most transacted item of SupplyLine. The business has a plan to sell some through its vast channel of buyers (the wholesalers and retailers). Increasing the number of buyers will ensure a minimum quantity of sales for the business to mitigate this particular issue, towards which they are working.

  • Supply chain disruptions: Grocery wholesalers rely on a complex supply chain to source products and deliver them to retailers or relevant customer bases. Disruptions in the supply chain, such as transportation delays, inventory shortages, or supplier issues, can impact the ability to fulfil orders on time.

SupplyLine Strategy:  SupplyLine has their  own delivery network, ensuring 24/7 customer support and mitigating transportation delays. Disruptions in their supply chain are highly unlikely in their business model due to their constant lookout for any sort of supply chain disruptions.

  • Price fluctuations: The price of rice may fluctuate, both in terms of the products being sold and the costs involved in the operation. Fluctuations in prices, currency exchange rates, or transportation costs can affect profit margins and overall business stability.

SupplyLine Strategy: This is a macroeconomic issue that may affect any business. However, SupplyLine has a price advantage with their rice, and it is very popular among the middle and low-income consumers. It is also a necessity item that is not expected to diminish in demand.

  • Possibility of political turmoil surrounding the upcoming election: Our assessment assumes that there will be some macroeconomic turmoil towards the end of 2023 before the general election. This may impact any business regarding repayments.

biniyog.io will buy the products on behalf of investors first and secure ownership. The products will then be handed over to SupplyLine within a very short time frame.

SupplyLine would have the right to reject the products due to quality etc. The risk is expected to be minimal since SupplyLine  themselves will be choosing the items before biniyog.io buys them.

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

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, if not hugely impacted by macroeconomic issues.

An undated security cheque will be kept from the business owner. Additionally, the business will be providing a guarantor to provide more assurance and confidence to 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.

  • 13-7-2023

    This campaign is now live on biniyog.io!

    The funding campaign has started. The target is BDT 15 lac, with a stretch goal of BDT 20 lac.