Earn Fixed Income Backed by Real UK Businesses
Your money helps fund established UK businesses across sectors like healthcare, manufacturing and retail. Through a Sharia-compliant model, you earn stable, fixed returns as those businesses make repayments.
3,000+ active investors
£5m+ invested in UK businesses
Sharia-compliant fixed income model
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Why Invest with Qardus?
Ethical, secure, and rewarding investing - here's why thousands of investors choose us.
Market Leader
Founded in 2019, Qardus is the UK's first Sharia-compliant SME finance provider with the longest track record in the market.
Proprietary UK SME credit data model
Experienced risk and finance team
400,000+ UK business data points analysed
Certified by Amanah Advisors and led by Mufti Faraz Adam
Resilient Businesses
We finance established UK businesses with stable cash flow, strong credit histories and proven management teams.
Rigorous business screening process
Real-time banking and trade data reviewed
Diversified across multiple sectors
Focus on reliable, asset-backed businesses
The Impact Loop
Your money supports real UK businesses while helping drive job creation, financial inclusion and long-term economic growth.
Focus on socially responsible sectors
Wealth growth without compromising values
Capital supports the real economy
Ethical, circular investment model
How Qardus Fixed Income Works
Your money helps fund established UK businesses. As those businesses make repayments, you earn stable, fixed returns through a Sharia-compliant model.
Register
Select whether you are investing as an individual or a business.
Qualify
We review your details to confirm you are eligible to invest.
Invest
Explore available investment opportunities across UK businesses and sectors, then choose where to invest.
Earn
Receive stable, fixed returns as businesses make repayments.
Access the UK’s Real Economy with Qardus
Sharia-compliant Returns
Our Murabaha-based model is designed to provide stable, fixed returns while prioritising capital preservation.
Our fixed income product
Your capital is spread across multiple businesses and industries, reducing reliance on any single business.
An Expanding Asset Class
Access a growing pipeline of over 200,000 UK businesses across sectors such as healthcare, manufacturing and retail.
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.