Is the fixed interest from the bank on a commercial loan considered a participation in the project's profit or usury?

It is not permissible to take an interest-bearing loan for any purpose, due to the general prohibition of usury (riba). The fixed interest charged by the bank is considered usury and not profit-sharing, because true profit-sharing necessitates a partnership contract and not specifying a fixed amount for the bank. Rather, it would be a percentage of the profit that is only due upon its realization, with the bank bearing a portion of the loss if it occurs. This is not present in bank lending.