Qardus will identify an opportunity to provide financing to an SME and will carry out due diligence on that opportunity. If Qardus considers that the opportunity should be offered to potential investors, it will send details of the opportunity to all members of the Qardus Website. If investor(s) decide to invest in the opportunity, those investors will enter into an investment agreement which documents the type of shariah-compliant investment they have chosen to enter into. Each investor is issued with securities (usually a bond certificate) reflecting the amount of capital contributed by that investor – all of the investors' securities carry the same rights..