Heter Iska Financing

Business loans that align with your values

Mint Lend offers heter iska financing for borrowers seeking halakhic-compliant business capital. Real loans, fast approvals, transparent terms — structured as partnerships under Jewish law.

What is a Heter Iska?

A partnership-based financing structure

A heter iska (Hebrew: הקתר אישקה, "permission of investment") is a halakhic instrument that structures business financing as a partnership arrangement rather than traditional interest-bearing debt. Under Jewish law, this approach allows a lender and borrower to establish a profit-sharing relationship that complies with the Torah's prohibition on usury (ribbit).

In practical terms: instead of a fixed interest rate, Mint Lend becomes a partner in your business success. You pay a percentage of profits (not a percentage of the loan) according to the agreement. This aligns the funder's return with your actual business performance.

How It Works

From application to funding

Application & Structure

Submit your application. Our team structures the heter iska agreement around your business model and expected cash flow.

Fast Underwriting

We review your business financials and partnership terms, typically issuing a decision within hours.

Fund & Pay

Once your partnership agreement is signed, capital funds immediately. Payments are profit-based according to your agreement.

Key Features

Financing built with care

Halakhically Compliant

Structured to comply with Jewish law regarding ribbit (usury). Endorsed by recognized rabbinic authority and halachic review.

Real Business Capital

$25K to $2M in funding with flexible terms and straightforward partnership agreements you can actually understand.

Fast Decisions

Same-day approvals on clean applications. We underwrite quickly so your capital moves when you need it.

Transparent Terms

No hidden fees or surprise adjustments. Your partnership terms are clear from day one and documented in plain language.

Flexible Payment Options

Daily, weekly, or monthly profit-share distributions based on your business cash flow and agreement structure.

Broker Support

If you work with an ISO or broker, they get dedicated support on structuring and closing the deal.

FAQ

Frequently Asked Questions

Is a heter iska really halakhically valid?: Yes. A properly structured heter iska is recognized by major rabbinic authorities and follows established halakhic principles. Our partnership agreements are reviewed to ensure compliance with Jewish law.
How is profit calculated?: Profit share is calculated based on the specific agreement terms you establish with us — typically tied to your business's documented revenue or profit metrics. We agree on the calculation method upfront, and it's transparent in the contract.
Can I pay it back faster than the agreed term?: Yes. Early repayment is always permitted under heter iska. If your business is doing well and you want to settle earlier, we can discuss that arrangement.
Do I need to be Jewish to qualify?: The heter iska program is offered for those who value halakhic compliance, regardless of background. However, it's primarily designed for borrowers who specifically seek Jewish law-compliant financing.
What if I default?: Like any business partnership, if obligations aren't met, we have recourse. Those terms are specified in your partnership agreement. We prefer to work through cash flow challenges rather than enforce, but the agreement is binding.
Is this available in all states?: Heter iska is available through Mint Lend in most states. Due to varying state lending regulations, some states may have different terms or requirements. Contact us to confirm availability in your state.
Can my broker submit a heter iska deal?: Absolutely. ISOs and brokers can submit heter iska applications the same way they submit regular term loans. Commissions and processes are identical to our standard loan program.