Profit On Investment
It’s generally not possible for someone else to classify a transaction as a loan or an investment without looking at the contract. It’s between you and the other party to decide whether it’s a loan or an investment. If it’s a loan, then anything you ask for in addition to principal is riba. If the borrower gives you back something in return with his own free will then there’s no objection on that. In a business transaction, on the other hand, what needs to be kept in mind is that the transaction should be moral and based on the principle of justice. There’s no question of riba in such a transaction.