Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Take 2 mins to learn more.

Partner with Qardus

We provide commercial finance of £50k-£200k to SMEs across the UK. Fast, flexible, affordable and firmly grounded in ethical principles.

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For your clients: business finance in four easy steps

  1. Apply online in minutes

    They tell us about their business using our simple online form.

  2. Inhouse check

    We approve them based on their business performance. Our soft search does not impact their credit score.

  3. Decision in two days

    Your clients get a funding offer in less than 48 hours, if their application is approved.

  4. Receive their funds

    Receive the money within 2 days of their offer being funded.

Our business finance is ethical and interest-free

We believe companies should serve their communities and we welcome applications from businesses that share our values. We’re also committed to efficient and sustainable financial intermediation. 

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We provide Sharia-compliant business funding

Our finance is rated as Sharia-compliant, meaning it’s managed in line with Islamic principles. These principles are based on doing business in a way that benefits the community and avoiding industries that are considered damaging, such as those involving alcohol, tobacco and gambling. These principles also require the avoidance of paying or receiving interest, meaning our business finance is interest-free. 

Funding for stronger businesses

  1. Interest-free

  2. Unsecured - only a director’s guarantee is required

  3. Our arrangement fees from 2%

  4. No early settlement fees

  5. 100% positive customer feedback

  6. Sharia-compliant

Why businesses choose Islamic finance

Any UK company can apply for Islamic finance - we do not require that business owners are Muslim. We provide an alternative to a conventional business loan and because it’s based on Islamic principles and certified as Sharia-compliant, our clients can be assured of our ethical approach. 

Our finance differs from conventional loans because it’s an interest-free method of raising working capital. 

Benefits of partnering with Qardus

We’re a fast-growing and innovative provider of affordable finance for UK small businesses keen to grow. Through us, your clients can receive funding of between £50,000 and £200,000 to invest in their future. 

Short-term benefits

  1. Smooth cashflow

  2. Finance new inventory

  3. Hire staff

Long-term benefits

  1. Upgrade their systems

  2. Expand into new markets

  3. Invest in innovation

How our business finance serves your clients

Help your clients secure the working capital they need with our straightforward approach.

  • Unsecured finance

    We don’t ask your clients for collateral, meaning they remain in full control of their business assets. We do require a personal guarantee.

  • Apply in minutes

    Our application process has been streamlined by ensuring we ask only for the information we absolutely need.

  • Prompt access to cash

    The money is in your client’s bank account within two working days of their offer being funded.

  • Repayment terms of up to 36 months

    Repayments are made monthly, and terms range from 6 to 36 months. There are no early repayment penalties.

Our solution is different from a conventional unsecured business loan. Here’s how:

  • Interest-free finance

    There are no interest payments. Instead, we do charge a rate (i.e. profit rate) that’s set in advance and a processing fee, which is agreed at the start.

  • Socially responsible finance

    We’re pleased to provide finance for businesses and organisations that make a positive contribution to society. This includes many small and medium-sized firms across many different industries.

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Our customers trust us


It was great working with Qardus for a second time to raise this working capital facility. The additional funding will help support stock control to service the high demand we are currently experiencing. Thank you for making the process from end to end seamless and straightforward, we highly appreciate it.

Shahid Khan, Director, Biomed Care Services

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How our finance differs from small business loans

We provide a cost-effective alternative to conventional loans.

  1. There are no interest rate worries

    Our finance product is interest-free. We do charge a pre-agreed fee which is taken from the funds raised before they are paid to your client.

  2. Business finance that’s Sharia-compliant

    Both Muslims and non-Muslims are welcome to apply for our funding. It will be a particularly attractive option to many Muslim business owners.

  3. Business funding with an ethical edge

    The good of the community is central to what we do, meaning our product will appeal to values-based businesses.

  4. We use crowdfunding

    Your clients are not borrowing from a single lender. Ours is a crowdfunding solution which gives all the same benefits as a business loan.

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