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
Is there an Islamic cryptocurrency?
by Shazia Hussain
Is blockchain Sharia-compliant?
by Shazia Hussain
Islamic finance and blockchain share many common foundational principles including transparency, accessibility and decentralisation and this has led to a unique partnership between Sharia compliant finance and cryptocurrency.
Sharia-compliant venture capital
by Shazia Hussain
Sharia-compliant venture capital is on the increase as it supports both innovation, growth and entrepreneurship.
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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.