SME referral scheme for investors

Refer businesses requiring finance (SMEs) to our platform and get compensated when they obtain funding. 

Get up to 1% of the financing amount when you introduce SMEs that obtain funding on our site.

Registered investors on our platform are directly eligible to be part of our new SME referral scheme. To obtain up to 1% of the financing amount when you introduce an SME to our site, you would need to complete the following steps:

  • Introduce businesses requiring finance (SMEs) to apply for funding on our site using our quick online application form here.  
  • Send us a message on the platform messaging system with the name of the company and its director. 
  • Provided that the SME passes our eligibility criteria and formally agrees the terms of funding, a referral fee will be deposited in the investor's account with Qardus of: 
    • Unsecured business finance [UF] (from £50k to £200k): 1.0% of the financing amount after it is successfully received by the SME. 
    • Secured business finance [SF] (from £200k to £500k): 0.5% of the financing amount after it is successfully received by the SME. 
In order for the relevant financing amount to qualify as being successfully received, funds must be successfully cleared and received in the bank account used by the SME to facilitate each financing amount. 

No referral fees apply if the SME applies for additional funding on our platform. 

As a reminder a business (SME) must:

  1. Be a Limited Liability Company with UK registered shareholders
  2. Have a minimum of 3 years' trading history (start up's are not eligible)
  3. Operate in a sector that is deemed Sharia-compliant
  4. Have stable cash flows
Learn more about our SME eligibility criteria here and in our Funding FAQs!


How it works

To avoid confusion, registered investors who refer businesses requiring finance (SMEs) to our platform get compensated when these businesses obtain funding. A referral fee will be deposited in the investor's account with Qardus of: 

    • Unsecured business finance [UF] (from £50k to £200k): 1.0% of the financing amount drawn down by such SME in such funding. 
    • Secured business finance [SF] (from £200k to £500k): 0.5% of the financing amount drawn down by such SME in such funding.  

No referral fees apply if the SME applies for additional funding on our platform. 

Remember your referral fee has the potential to earn a return as well when you invest it in offers on the platform!

Please read the full offer and risk information before deciding to invest.

To demonstrate the impact of introducing an SME and investing the referral fee in an offer on our platform, here is a table for Headway Housing Limited, a 36 month investment with a Total Projected Return of 12.56% p.a.

View example:

1% SME Fee
0.5% SME Fee
SME Financing Amount
£150,000
SME Referral Fee
£1,500
Projected Return
37.68%
Total Return (£)
£3,000
+ Q Boost (rounded up)
£880.63
Total Return (£)
£3,900.63
Total Amount Paid
30.02%
Your Total Return (%)
10%
Annualised Return
£5,000 - £9,999
Investment Range
£50 - £100
Q Boost
29.16%
Projected Return
£7,000
Example Investment
£7,070
+ Q Boost (rounded up)
£2,061.61
Total Return (£)
£9,131.61
Total Amount Paid
30.4%
Your Total Return (%)
10.15%
Annualised Return
£10,000 or more
Investment Range
£200+
Q Boost
29.16%
Projected Return
£12,000
Example Investment
£12,240
+ Q Boost (rounded up)
£3,569.18
Total Return (£)
£15,809.18
Total Amount Paid
31.74%
Your Total Return (%)
10.58%
Annualised Return
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