Apply online in minutes
Tell us about your business on our simple online form.
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.
Let us help you get the finance you need. We help ambitious UK-based small businesses raise the money they need to fund growth. Our solutions are not small business loans; they're funding solutions that offer all the same benefits and flexibility. Need funds to improve your cashflow and invest in your future? Talk to us today.
Having up to £200k available as working capital can give your business significant commercial advantage. It allows you to budget for growth activities, such as opening new facilities or expanding an existing site. Alternatively, you could invest the money in additional inventory or a marketing program designed to broaden your market share.Our business loan alternative gives you all the same benefits as a traditional bank loan, but it's certified as Sharia-compliant and is not considered to be a loan.
Through our small business loan alternative, you can access funding of between £25,000 and £200,000. Put this to work to develop and grow your business.
Apply easily in just minutes
We only ask for the details we absolutely require to make a decision. The application process is as quick and easy as we can make it.
You don't put up assets as security
The funding you receive from us is not tied to any asset in your business. This allows you control over managing your own business assets.
Get funded fast
When your offer is fully funded you receive the money within two working days, giving you swift access to the working capital you need.
You choose where to invest the funds
You know how best to put the money to work in your business in order for it to deliver a good return. You have significant control over the working capital raised.
More working capital gives you more opportunities.
With more money available for you to invest in growth activities, you can have more purchasing power at your disposal, which you can use to move fast when an opportunity arises.
Unlock time to plan ahead
Juggling tight cashflow is time consuming and frustrating. With more business finance available, you can put more time into planning for your future.
Testimonials from small business owners who've raised money through us.
I was looking for affordable Sharia-compliant financing to support the expansion of my niche healthcare consultancy business and Qardus was able to provide a solution which suited my requirements. They were very efficient and professional and their technology platform was great. Overall, an excellent finance provider with no hassle, and I would highly recommend.
Mohammad Yasin, Director My Consultancy Group Limited
Discover a cost-effective alternative to a business loan.
There are no interest rate worries
The Qardus finance product is interest-free. Instead, we charge a pre-agreed fee that's taken from the funds raised before they are paid to you.
Business funding with an ethical edge
We believe in a values-based approach to business funding, where the good of the community sits at the heart of what we do.
Sharia-compliant business finance
Being Sharia-compliant means our finance is in line with Islamic principles of finance and business. It's open to both Muslims and non-Muslims.
We use crowdfunding
We leverage the power of community. You're not borrowing from a single lender; you're benefiting from a community approach that gives all the same advantages as a business loan.
Our fee structure is simple and transparent:
An administration fee of 15% of arrears may be applied to any repayments that are more than 7 days late.
If your facility is placed into default, we may charge an additional collections charge of up to 15% of the outstanding financing amount at the time of default.
Any established and creditworthy business currently operating in the UK can apply for financing on the Qardus platform, including partnerships, limited companies and non-limited companies.
Businesses must have:
Your application to obtain funding on the Qardus platform can take minutes to complete. Once this is done, our credit assessment team will review your complete application and get back to you within 48 hours (2 working days).If your application is approved, you have agreed to your financing agreement and have set up your Direct Debit, your financing request will automatically be listed on the marketplace so that registered Qardus investors can review it and offer to fund your business. Your financing facility can fund over a period of up to 14 days, although most financing arrangements fund in just a few days. As soon as it's 100% funded your listing will close and we will send you a confirmation email. As long as your financing facility is fully funded before 3pm on any working day, we will transfer the funds into your designated business bank account the same day. (NB: Funds can take up to 3 days to reach your account).
The total cost of your financing facility includes the rate you pay to investors, and Qardus fees. The rate (i.e. profit rate) your business pays back is determined by a number of factors, including the risk band your financing facility is given during our credit assessment process, and the length of repayment term. Your facility will be allocated a risk band once you have submitted your complete application to obtain funding on the Qardus platform.
Qardus currently provides the following type of financing: