Your alternative to unsecured business loans

Grow your business with funding from £25,000 to £200,000. We offer fast, flexible and affordable unsecured finance, firmly grounded in ethical principles.

Get funded

Business finance in four easy steps

  1. Apply online in minutes

    Tell us about your business using our simple online form.

  2. Inhouse check

    We approve you based on your business performance. Our soft search does not impact your credit score.

  3. Decision in two days

    You’ll get a funding offer in less than 48 hours, if your application is approved.

  4. Receive your funds

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

Ethical & Sharia-compliant business funding

We believe business finance should make a positive contribution to our world, whether faith-based, social or environmental. Qardus uses ethical and Sharia screening criteria to ensure successful applications for our finance product align with our values. 


Learn more

Unsecured business finance explained

Your successful trading history is the key that unlocks unsecured business finance. Based on our analysis of your firm’s financial health and our data-driven risk assessment, we offer business finance on an unsecured basis. In short, this finance is not tied to the assets in your business. This allows us to make a positive decision faster, giving you quicker access to the funds you’re looking for.  

Transform your business with unsecured finance

  1. Improve your cashflow

  2. Invest in marketing

  3. Purchase more stock

  4. Hire new staff

  5. Upgrade your equipment

  6. Explore new opportunities

Why does a business take an unsecured loan?

An unsecured loan gives you faster access to capital that you can put to work in your business. It’s a popular component of the small business finance mix, providing flexibility and convenience. However, because of the interest charges, unsecured loans are not Sharia-compliant. Our funding solution has all these advantages with the additional benefit of conforming to Sharia principles.


Benefits of unsecured business finance

Through our unsecured business loan alternative, you can access funding of between £25,000 and £200,000. Put this to work to develop and grow your business.  


Short-term benefits

  1. Ease cash flow pressure

  2. Finance inventory purchases

  3. Bridge accounts receivable

Long-term benefits

  1. Upgrade your facilities

  2. Develop a new market

  3. Hire more staff

How our unsecured business loan alternative works for you

Our Sharia-compliant finance solution offers all the advantages of an unsecured business loan but without being one.

  • There’s no collateral

    This is a huge benefit, because you’re not required to offer any assets as security for the funds. Get the funds your business needs while retaining the flexibility to manage your assets as you choose.

  • It’s easy to apply

    Making it straightforward for business owners to apply means eliminating unnecessary paperwork and process. We ask you for the information we absolutely need, nothing more.

  • You get the funding fast

    Once your offer is fully funded you will receive the money in your account in 2 days. Because it’s unsecured, there are no assets to value or similar hurdles to get in the way.

  • You decide how to spend the money

    It’s your business, so you know where to put the funds to work. As with any other unsecured business loan, you have significant flexibility on how you use it.

How our solution is different from an unsecured business loan:

  • There are no interest charges

    Our finance complies with Sharia principles, which prohibits the charging of interest. We do charge 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.

Our customers trust us

Customer stories

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

Athar Ahmad, Founder, Zoomash Limited

Ethical unsecured business finance

Use our business loan alternative to help your business thrive.

  1. Protect your cash flow

    Unexpected costs can disrupt the best laid cash flow plans. Use unsecured finance to boost available cash, allowing you to better adapt to changing circumstances.

  2. Upgrade your equipment

    Unlock commercial advantage by implementing newer, faster, more efficient equipment. It could be speedier computers, faster production machines, or better communications gear.

  3. Freshen up your image

    Improve the appeal of your business by giving it a more up-to-date image, smartening up your premises and your team. A refresh can help draw in new customers.

  4. Invest in growth

    You know where to go for growth. Using our unsecured business finance, you can have the money you need to seize those new opportunities and to thrive.

Funding FAQs