Business line of credit
Give your business the funding you need for growth. Unsecured working capital finance from £25k to £200k. Fast, easy application and approval.
Four easy steps to secure working capital finance
Apply online in minutes
Tell us about your business on our simple online form.
Inhouse check
We approve based on your business performance. Our soft search does not impact your credit score.
Decision in two days
You’ll get a funding offer in less than 48 hours, if your application is approved.
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.
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.<br><br>If you're considering a line of credit, our approach could be a more cost-effective solution.
Unsecured working capital for UK businesses
Finance for growth
Expand your operations
Invest in new opportunities
Explore new markets
Seize competitive advantage
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 £25,000 and £200,000. Put this to work to develop and grow your business.
Short-term benefits
Ease cash flow pressure
Finance inventory purchases
Bridge accounts receivable
Long-term benefits
Upgrade your facilities
Develop a new market
Hire more staff
What our customers say about Qardus
Testimonials from business owners who've raised money through us.
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
How our finance differs from a business line of credit
What our customers say about Qardus
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.
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.
Sharia-compliant business finance
Our business funding is Sharia-compliant, which means it is operated in line with Islamic principles of finance and business.
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.