Finance built on your principles
Access Sharia-compliant financing for your business, or invest and build wealth the ethical way with Qardus.
“A really quick turnaround and a really professional team”
Usman Tahir
Director, Care Quality Pharmacy
Sharia-compliant investing
Grow your wealth the right way
Business finance solutions
Fast, flexible, Sharia-compliant funding
Financial planning tools
Interactive calculators for every need
Qardus exists to make Sharia-compliant finance accessible to all. We bridge the funding gap by providing SMEs with ethical, flexible business finance, while simultaneously offering investing opportunities for those looking to build wealth through faith-aligned returns. By providing a transparent marketplace, we empower our community to thrive without compromising their values.
"It was a great pleasure working with Qardus. A very quick turnaround and a really professional team. I would gladly work with them again in the future."
Numbers that tell the story today
Since our founding, Qardus has helped businesses grow and investors build wealth without compromise. These figures represent real people making real choices.
Repeat client rates
From startups to established enterprises
Capital deployed
Working toward ethical growth
Client satisfaction
Measured by those who trust us
Explore Islamic finance
Qardus Academy provides business owners and investors with the tools to navigate SME finance and ethical investing. From securing growth capital to building wealth, we bridge the gap between insight and action.
Qardus news
News, events, and webinars shaping Islamic finance
Sector focused insights
Investing and funding guidance shaped around the sectors we support.
In-depth guides
Master Islamic finance and ethical investing fundamentals
Tools and resources
Tools, calculators, and frameworks built for your success
FAQ
Questions about Qardus?
Need more answers?
Reach out to our team for questions we haven't covered
Islamic finance is a system of banking and investment that operates in accordance with Islamic law. Unlike conventional finance, which is primarily driven by interest-based lending, Islamic finance is rooted in ethical principles, risk-sharing, and the support of tangible economic activity.
Our financing is interest-free; instead, we charge a pre-agreed arrangement fee and a profit rate that is set in advance. This allows Muslim and value-driven business owners to access capital without compromising their ethical principles.
To apply, your business must typically meet the following criteria:
- Be a UK-registered Limited Liability Company or Partnership.
- Have a minimum of 3 years of trading history (start-ups are not eligible).
- Demonstrate stable cash flows and have no outstanding CCJs.
- Operate in a Sharia-compliant sector (excluding activities like gambling, pork production, or alcohol).
Our process is streamlined to get you funded quickly:
- Apply Online: Complete a simple form in minutes.
- In-house Check: We review your performance; our soft search does not impact your credit score.
- Fast Decision: If approved, you’ll receive a funding offer within 48 hours.
- Receive Funds: Once you sign the agreements, money is typically in your account within 2 working days.
You can invest if you meet the criteria for a High Net Worth Individual or a Self-Certified Sophisticated Investor under the Financial Services and Markets Act 2000.
To begin, simply register on our platform and complete the mandatory onboarding steps. This includes passing KYC (Know Your Customer) verification, an affordability test, and a suitability test to ensure the platform is right for your financial goals. Once verified, you will gain full access to our platform and can start investing in our private credit strategy.
No. Islamic finance principles focus on ethical practices, transparency, and avoiding harm. Anyone who believes in doing business the right way can benefit from these approaches.
We provide ethical, interest-free working capital solutions for UK-based SMEs.
Unsecured Finance: From £25,000 to £200,000 with terms between 6 and 36 months.
Secured Finance: From £150,000 up to £500,000 for up to five years, leveraging existing business assets
The Qardus Story
We founded Qardus to close the funding gap for small businesses. Traditional banking often forces SMEs to choose between growth and their values; interest-based loans simply don't align with the ethical or religious standards of many entrepreneurs. We’re changing that by providing a platform where financing and investing are rooted in integrity.
