Working capital finance
Get the finance your business needs for growth. Working capital funding from £25k to £200k, unsecured. Fast application and approval process.
Four easy steps to secure working capital finance
Apply online in minutes
Tell us about your business using our simple online form.
We review your application
We assess your business and funding requirements to check eligibility.
Receive a decision
You’ll get a funding decision and offer, typically within 48 hours.
Receive your funds
Once approved, funds are made available quickly to support your business.
The ethical alternative to working capital loans
We provide working capital finance to small and medium-sized firms across the UK. Our product is a socially responsible alternative to a business loan. It gives you the same benefits as an unsecured loan - funding of up to £200k of working capital, repayable over up to 36 months - but it's structured to meet the ethics and values of Islamic finance.
You do not need to be a Muslim to apply.
Why businesses need working capital
It's not enough for your business to be profitable. To survive, you need to be sure the amount of cash in your bank is enough to cover your operational needs and your current liabilities. Working capital is the amount of money you have available right now to pay business expenses. Businesses take out working capital loans to ensure their cash reserves allow them to continue trading profitably and to grow.
We provide a cost-effective alternative to a working capital loan.
Unsecured working capital finance
Secure your cashflow
Fund fresh growth
Boost your stock levels
Finance hiring of new talent
Invest in a smarter image
Seize new opportunities
Unlock growth with our working capital loans alternative
Any UK-based business can apply for our alternative to working capital loans. They differ from traditional loans, because they're interest-free and they're operated in line with Islamic finance principles.
For the business owner looking for working capital, our business finance offers all the same benefits of a loan, with the extra advantage of it being operated in line with our community values.
Who can apply to us for working capital?
Raise funds of between £25,000 and £200,000 through our streamlined application process. Unsecured business finance to help your business grow.
Flexible finance
Repay over 6 to 36 months
No assets required as security
Designed for small businesses
Business benefits
Invest in new opportunities
Seize moments that matter
What our customers say about Qardus
Testimonials from business owners who've raised working capital 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 conventional working capital loan
What our customers say about Qardus
No interest on working capital
Unlike a traditional business loan, our funding is interest-free. We do charge a fee, which is agreed in advance and is deducted from the proceeds before the cash is paid to you.
Sharia-compliant business finance
Our business funding is Sharia-compliant, meaning it is operated in line with Islamic principles of finance and business.
Ethical alternative to working capital loans
Our funding is based on ethical investing. Environmental, social and governance criteria are considered with the aim of making a positive contribution to society.
Crowdfunding solution
Our working capital loans alternative is based on a crowdfunding model. You still get the short-term finance your business needs, repayable over an agreed term of up to 36 months.