u/Interesting_Rough29

Hi everyone,

I’ve noticed that many early-stage or startup companies fail Shariah screening tools like Zoya, mainly because their financial ratios don’t meet the criteria. Often, a significant portion of their income or assets is tied to interest rather than operating revenue, which can be typical in early growth stages.

This leaves me unsure—if the core business is halal, but the financial structure isn’t compliant yet, how should we approach it?

Has anyone come across clear scholarly opinions or done deep research on this? Is there any flexibility for startups, or is strict compliance always required?

Appreciate your insights.