Investing with the market leader
Qardus Fixed Income
Generate Sharia-compliant, diversified returns powered by high-quality SME financing
Why Invest with Qardus?
We keep it simple. You grow your wealth
3,000+
Active Members
£5M+
in SME Financing Deployed
400,000+
Proprietary SME Data Points
Market leader
Founded in 2019, Qardus is the UK's first Sharia-compliant SME finance provider. We have the longest track record in the business.
Data-driven credit model
Our algorithms are trained on a proprietary data-set of UK SMEs.
Experienced team
Our team consists of experienced risk and finance professionals with a track record in the UK SME space and Islamic finance.
Sharia-compliant
Our end-to-end processes and contracts are certified by Amanah Advisors and led by Mufti Faraz Adam.
Resilient Businesses
The SMEs we finance are resilient businesses with established credit histories and stable cash flows.
They choose Qardus because they value an ethical, asset-backed way to finance their growth.We assess every candidate through a rigorous evaluation.
By reviewing real-time banking data, trade history, and management experience, we ensure your capital is partnered with only the most reliable businesses.
The Impact Loop
We believe in the power of a circular, ethical economy. We exclusively finance businesses operating in socially responsible sectors, ensuring your wealth grows without compromising your values.
Our investors fund real-economy businesses and earn steady returns while driving job creation and financial inclusion. This in turn strengthens the UK economy.
Access the UK’s Real Economy with Qardus
We don't separate money from meaning. Your investments reflect who you are and what you believe in.
Sharia-compliant Returns
By focusing on Murabaha contracts, we provide a stable fixed income model that prioritizes capital preservation while delivering competitive returns.
Our fixed income product
Exposure to diversified real-economy businesses, spreading risk across multiple industries and ensuring your capital is not dependent on the performance of a single entity.
An Expanding Asset Class
By investing with Qardus, you gain exclusive access to a growing pipeline of over 200,000 UK-based SMEs. We focus on resilient, recession-proof sectors—such as Healthcare, Education, and Social Care
FAQ
Questions about Investing?
Need more answers?
Reach out to our team for questions we haven't covered
Our fixed income product provides investors with exposure to a diversified portfolio of UK-based SMEs. By deploying capital into the "real economy," the strategy targets stable, asset-backed returns through Sharia-compliant financing structures. It is designed for those seeking an ethical alternative to conventional fixed income, prioritizing capital preservation while supporting the growth of UK-based SMEs.
The Financing Agreement is structured as a Commodity Murabahah Facility provided to Qardus Finance Limited (QFL), a Murabahah-based Special Purpose Vehicle (SPV), to fund small and medium-sized businesses (SMEs). QFL is a member of the Qardus Group. It is important to note that this financing agreement does not constitute a designated investment for the purposes of UK financial services regulation.
Investors provide Shariah-compliant financing to UK SME businesses. The financing agreement does not constitute an investment that is designated for the purposes of UK financial services regulation. Accordingly, Qardus is not authorised or regulated by the Financial Conduct Authority and investors do not have rights under the Financial Services Compensation Scheme or the Financial Ombudsman Service. Any money that you invest under the financing agreement is at risk and you will not be able to access it unless and until it is repaid by the SME. Qardus does not provide advice on whether investing is suitable in light of your individual financial circumstances. If you are in any doubt about investing, you should consider seeking advice from an appropriately qualified investment professional.
Compliance is achieved through strict ethical screening that avoids sectors like gambling, alcohol, and interest-based finance, focusing instead on industries that create real social and economic value. Our operations are overseen by a dedicated Sharia Board led by Mufti Faraz Adam from Amanah Advisors. You can download the Sharia certificate here.
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.