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.

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.

Business line of credit

Give your business the funding you need for growth. Unsecured working capital finance from £50k to £200k. Fast, easy application and approval.

Get funded

Four easy steps to secure working capital finance

  1. Apply online in minutes

    Tell us about your business on our simple online form.

  2. Inhouse check

    We approve based on your business performance. Our soft search does not impact your credit score.

  3. Decision in two days

    You’ll get a funding offer in less than 48 hours, if your application is approved.

  4. Receive your funds

    Receive the money within 2 days of your offer being funded.

Your ethical alternative to a business line of credit

Get funded up to £200k over 36 months using a socially responsible alternative to a small business loan. Our values-based finance product operates in line with Islamic principles, meaning it's based on a commitment to community. It's also a competitive and accessible method of business finance, highly relevant to today’s commercial marketplace.

Learn more
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Is a business line of credit the best option?

The advantage of a business line of credit is that it's a flexible approach to raising working capital. But depending on your situation, it may not be the most appropriate solution. When you're looking for a substantial injection of capital to fund growth - be it the purchase of inventory, hiring new staff or upgrading your facilities - you could benefit from a finance solution such as ours.

If you're considering a line of credit, our approach could be a more cost-effective solution.

Unsecured working capital for UK businesses

  1. Finance for growth

  2. Expand your operations

  3. Invest in new opportunities

  4. Explore new markets

  5. Seize competitive advantage

  6. Cut pressure on cashflow

There's no interest on our line of credit alternative

The Qardus business funding product differs from traditional finance because it's interest-free. That's because we operate in line with Islamic finance principles. However, any UK-based business can apply for our finance.We do charge a fee for our finance, which is agreed in advance. This is typically very competitive when compared with the costs of opening and maintaining a line of credit.

Benefits of our business line of credit

Through our business line of credit, you can access funding of between £50,000 and £200,000. Put this to work to develop and grow your business.  

Short-term benefits

  1. Ease cash flow pressure

  2. Finance inventory purchases

  3. Bridge accounts receivable

Long-term benefits

  1. Upgrade your facilities

  2. Develop a new market

  3. Hire more staff

Working capital finance to help you

Secure the funding required to implement your business growth plans. Finance up to £200k available over 36 months.

  • Quick and easy to apply

    There's no time wasted on completing a long application. We only want you to give us the details we absolutely require to make a decision.

  • No assets sought as security

    Because our business funding is unsecured, it's not tied to any asset in your business. This speeds the application process and gives complete freedom in how you manage your assets.

  • Get funded fast

    In order to implement your plans you want prompt access to the money. Once your offer is fully funded you get the cash within two working days.

  • You retain control

    You have significant flexibility on how you invest the capital we raise for you, because you're best placed to know where it will be used most effectively.

How finance helps grow your business

  • Give yourself commercial advantage

    When you have a stronger cashflow you're better placed to take advantage of new opportunities when they arise, helping you strengthen your position in the market.

  • Free up time to plan ahead

    Having access to additional finance helps you escape the stress of regular cashflow crises. It helps free up time you can put to more productive use, such as strategic business planning.

What our customers say about Qardus

Testimonials from business owners who've raised money through us. BN

Qardus is a great example of the importance of flexible working capital for asset light businesses such as ours. Without the assets to offer a traditional lender as collateral, micro SMEs are often turned away. Qardus worked with us to understand our strategy and ambitions, and the funding provided will support the investment required to update our data service provider, allowing us to have more control of our central costs.

Athar Ahmad, Founder, Zoomash Limited

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How our finance differs from a business line of credit

Discover a cost-effective alternative to a business loan.

  1. There are no interest charges

    Our product differs from a line of credit or other form of loan because it is interest-free. Instead, we charge a pre-agreed fee that's taken from the funds raised before they are paid to you.

  2. Ethical alternative to a line of credit

    We're committed to a values-based approach to business finance, with the good of the community being at the heart of what we do.

  3. Sharia-compliant business finance

    Our business funding is Sharia-compliant, which means it is operated in line with Islamic principles of finance and business.

  4. Crowdfunding solution

    We use a proven crowd-funding model to raise finance. This gives you the short-term funding you require, repayable over a term of up to 36 months.

Funding FAQs