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.

Working capital finance

Get the finance your business needs for growth. Working capital funding from £50k to £200k, unsecured. Fast application and approval process.

Get funded

Four easy steps to secure working capital finance

  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.

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.

Learn more
image of capital loans

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

  1. Secure your cashflow

  2. Fund fresh growth

  3. Boost your stock levels

  4. Finance hiring of new talent

  5. Invest in a smarter image

  6. 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 £50,000 and £200,000 through our streamlined application process. Unsecured business finance to help your business grow.

Flexible finance

  1. Repay over 6 to 36 months

  2. No assets required as security

  3. Designed for small businesses

Business benefits

  1. Implement your growth plans

  2. Invest in new opportunities

  3. Ease pressure on cashflow

How our working capital finance helps you

Get the funding you need to implement your business growth plans. Finance up to £200k available for up to 3 years.

  • Quick and easy to apply

    You don't want to waste time on a lengthy application, which is why we only ask for the information we absolutely need to make a decision.

  • No assets required as security

    Our working capital funding is unsecured, meaning it's not tied to any asset in your business. This makes the application process much faster and leaves you complete freedom in how you manage your assets.

  • Get the money fast

    It's important that you get hold of your working capital quickly, in order to implement your plans. Once your offer is fully funded you get the cash within two working days.

  • You stay in control

    You're in the best position to know how to use extra working capital in your business. You have significant flexibility on how you invest the capital from us.

Using fresh working capital to grow your business

  • Give yourself more time to plan

    Juggling cashflow can cost you a lot of lost time, particularly when payroll and tax bills are due. Having a good working capital balance can ease that pressure significantly, giving you more time to plan for the future.

  • Invest in new opportunities

    With a stronger short-term cash position it's easier to seize commercial opportunities that present themselves, such as purchasing more stock or taking on new staff.

What our customers say about Qardus

Testimonials from business owners who've raised working capital through us. BN

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

How our finance differs from a conventional working capital loan

Take advantage of new funding options for your business.

  1. 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.

  2. Sharia-compliant business finance

    Our business funding is Sharia-compliant, meaning it is operated in line with Islamic principles of finance and business.

  3. 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.

  4. 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.

Funding FAQs