Islamic finance for business
Sharia-compliant business finance for UK SMEs. Access ethical funding from £30,000 to £500,000 to support growth, manage cashflow and invest in your business.
What Islamic finance actually means
Islamic finance is a form of ethical business finance that follows Sharia principles. It does not involve interest (riba), and instead uses transparent, asset-backed or profit-based structures.
For businesses, this means access to Sharia-compliant funding that is clear, fair and aligned with long-term growth — without the complexity or hidden costs often associated with conventional finance.
Islamic business finance is designed to support real economic activity, helping UK SMEs secure the working capital they need in a responsible and sustainable way.
Sharia compliant
Structured in line with Islamic finance principles and ethical standards
Interest-free
No interest charges — funding is based on clear, agreed fees
Transparent terms
Clear costs and repayment structure with no hidden fees
Built for SMEs
Designed specifically to support UK small and medium-sized businesses
How businesses use our Islamic finance
Businesses use our Islamic business finance to manage cashflow, invest in growth and support day-to-day operations.
Inventory
Purchase stock and meet customer demand
Equipment
Invest in tools, technology and infrastructure
Staffing
Hire and support your team as you scale
Working capital
Manage cashflow and cover short-term business needs
Expansion
Grow your business with Sharia-compliant funding that gives you the flexibility to expand into new markets, open new locations or invest in future opportunities.
Apply for Islamic business finance in four simple steps
Apply for Sharia-compliant business finance in four simple steps, with a fast and transparent process from start to finish.
Apply online in minutes
Tell us about your business and how you plan to use the funding
In-house check
We assess your application quickly using our internal process
Decision in 48hrs
Receive a clear outcome so you can move forward with confidence
Receive your funds
Access your funds and put it to work in your business
Why Qardus stands apart
A UK-based provider of Sharia-compliant Islamic finance, built to give businesses a clearer, fairer way to access funding.
Zero interest
Our Islamic finance model avoids interest entirely, using Sharia-compliant structures designed around fairness and transparency
No collateral required
Access unsecured business funding without putting assets at risk or limiting your flexibility
Fast, clear decisions
Receive a clear outcome quickly, so you can move forward and plan with confidence
Built for UK SMEs
Designed specifically for UK small and medium-sized businesses, with funding that supports real growth
Trusted by UK businesses
"It was a pleasure to work with Qardus to secure growth funding for our social care home business. The process was quick and simple, and we reached our desired funding size within just a few weeks. We highly recommend Qardus to other SMEs looking for affordable and straightforward business financing."
Supporting UK businesses with Islamic finance
We’ve provided Sharia-compliant business finance to SMEs across the UK, helping businesses access funding, manage cashflow and grow with confidence.
SMEs funded
Total funds deployed
Maximum approval time
Customer satisfaction
Don’t let funding hold your business back
Access Sharia-compliant, unsecured funding designed to support growth, improve cashflow and give you the flexibility to move forward with confidence.
FAQ
Questions about financing your business?
Need more answers?
Reach out to our team for questions we haven't covered
Because we provide Sharia-compliant financing, we do not charge interest. Instead, we agree on a fixed profit rate upfront:
- Starting Rate: Our profit rates start at 1.25% per month.
- Determination: The final rate is tailored to your specific business. It is determined by our underwriting team following a thorough assessment of your financial position, credit profile, and the risk level of the facility.
Our funding options are split into two categories to suit your business needs:
- Unsecured Finance: From £25,000 to £100,000.
- Secured Finance: From £125,000 up to £500,000, typically secured against existing business assets.
It depends on the amount you are seeking:
- Up to £100,000: We typically offer unsecured facilities. While no physical assets are pledged, we do require a Personal Guarantee from the directors.
- From £125,000 - £500,000: These larger amounts are generally secured and will require you to pledge business assets or investment property.
Our finance is strictly interest-free (no Riba). We primarily use Commodity Murabaha contracts, a "cost-plus-profit" arrangement. Instead of lending money and charging interest, we facilitate the purchase and sale of commodities. This results in a fixed, transparent profit margin that is agreed upon upfront, ensuring the transaction is an ethical trade rather than a debt-based loan.
We finance UK-registered Limited Companies or LLPs that meet the following criteria:
- Turnover: A minimum annual turnover of £100,000.
- Trading History: Your business must have been trading for at least 2 years (24 months).
- Profitability: Must demonstrate stable cash flow and be profitable.
- Compliance: Your business must operate in a Sharia-compliant sector (e.g., no gambling, alcohol, tobacco, or conventional financial services).
The process is designed for speed:
- Decision: Most applications receive a decision within 48 hours.
- Funding: Once you accept the offer and the campaign is funded on our platform, money is typically in your account within 2 working days.
Repayment terms are designed to support your business's growth cycle. Generally repaid over 6 to 36 months. All repayments are made in fixed monthly installments, helping you manage your cash flow with certainty.