Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.
Invest your money ethically
Fund your business
Investments
How it works
Register
Open your online account in a few simple steps and transfer money from your bank account.
Invest
Begin to fund small businesses across the UK that are looking for financing facilities in an ethical manner.
Manage
You will receive your principal and returns in monthly installments from the businesses you have funded over the term of the facility. Track these repayments on the investor dashboard.
Latest News
Home Purchase Plan
by Shazia Hussain
Home purchase plans are a viable and Sharia compliant alternative to traditional mortgages for Muslims looking to buy a property.
Halal Pension UK
by Ali Ismail
A halal pension is a Sharia compliant investment option for Muslims in the UK who want a long-term savings plan without compromising their religious beliefs.
Gharar
by Ali Ismail
Gharar is deemed to be something that is uncertain, risky or speculative in financial transactions and is something that is prohibited in Islam.
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Frequently asked questions
What is ethical finance?
While there is no universally accepted definition of ethical finance, the Ethical Finance Hub describes it as "A system of financial management or investment that seeks qualitative outcomes other than purely the management of returns. Outcomes sought may reflect ideas from faith, social, environmental and governance theories."
What is Islamic or sharia compliant finance?
Islamic finance refers to a financing system which is modeled on Islamic principles such as no interest-based products, transparency, fairness, equitable products, manageable debt products, risk-sharing products and many other noble concepts. Islamic finance includes Islamic banking, Islamic capital markets, Islamic money markets, Islamic insurance (Takaful), Islamic microfinance and Islamic wealth management firms.
Is Islamic or sharia compliant finance ethical?
The World Bank mentions that Islamic finance is ethical, sustainable, environmentally and socially responsible finance. It promotes risk sharing, connects the financial sector with the real economy, and emphasizes financial inclusion and social welfare.
What is Qardus?
Qardus is the first ethical sharia compliant business financing marketplace in the UK. On one side of the marketplace, small businesses can obtain sharia compliant business financing in a fast and affordable manner. On the other side of the marketplace investors can generate attractive returns by funding ethical SMEs across a range of sectors.
What are our fees?
We charge an arrangement fee ranging from 5% to 7% that is paid by the small business seeking financing on drawdown of the funds. In practice, it will be retained from the advance.
What sort of financing does Qardus provide?
We offer secured and unsecured business financing in the UK with an average ticket size up to £200k and terms of up to 36 months. Later on, we plan to offer asset financing with longer duration.