SPF 1 operates as a revolving fund through an international public charity structure, enabling tax-deductible contributions in the United States, Canada, and the European Union, and delivering low-interest loans up to 20 years to eligible beneficiaries. It is designed as a platform implemented in partnership with Palestinian civil society organizations, international agencies, financial institutions, and philanthropic partners. Beneficiaries repay principal along with a total 3% charge, of which 2% is a management fee ensuring efficient and sustainable operation of the non-profit revolving fund, and the remainder covers life insurance on the loans. Repayments are reinvested into the fund to preserve capital, ensure financial sustainability, and enable continuous recycling of resources for ongoing social impact.

SPF 2 operates as a direct financing mechanism through the company, funded by social lenders, to provide long-term financing that enables affordable land ownership for Palestinian families. The beneficiary repays the social loan plus a 3% financing charge according to an agreed schedule. This structure ensures capital preservation, financial sustainability, and scalable impact within a transparent, results-driven framework. Governance is designed to ensure accountability, affordability, and alignment with national land protection and social development objectives.

SPF 3 operates through a guarantee-backed lending structure that enables diaspora supporters to unlock significant bank capital without deploying the full amount in cash. A contributor provides a Standby Letter of Credit (SBLC) — issued by their bank in North America, Europe, or elsewhere — in favor of a partnering Palestinian bank. The Palestinian bank then extends a fully secured loan to the implementing partner, which deploys the capital through SPF to Palestinian families at the social lending rate. The contributor covers the SBLC issuance fee and the difference between the commercial lending rate and the social lending rate (3%) as an annual philanthropic contribution. This makes it possible to deploy $1M in lending capital at a minimal annual cost rather than committing the full amount upfront. This mechanism has been validated in principle with Bank of Palestine and is modeled on internationally proven structures such as Windmill Microlending in Canada.