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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.

Risk Warning

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.

Read our full Risk Warning

Risk Information

Estimated reading time: 2 min

Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk. 

What are the key risks?

  1. You could lose all the money you invest
    • Investments on this platform are shares in a Special Purpose Vehicle (SPV) which is used to fund small and medium-sized businesses (SMEs). Investors in these shares can lose 100% of the money they invested, as SME businesses can fail.
    • Advertised rates of return aren’t guaranteed. This is not a savings account. If the underlying SME company does not pay back as agreed, you could receive less money than expected. A higher advertised rate of return means a higher risk of losing your money. If it looks too good to be true, it probably is. 
    • Checks on the businesses you are investing in, such as how well they are expected to perform, may not have been carried out by the platform you are investing through. You should do your own research before investing. 
  2. You won't get your money back quickly
    • If the underlying SME business related to the offer you invest in does not meet its targets, it may not be able to pay on the scheduled dates. You may find that you do not have access to your funds until later than expected or you may be paid less than expected.
    • The platform does not offer a secondary market. While another investor may be interested in buying your investment, there is no guarantee you will find a buyer at the price you are willing to sell. 
  3. Don’t put all your eggs in one basket
    • Putting all your money into a single business or type of investment for example, is risky. Spreading your money across different investments makes you less dependent on any one to do well.   A good rule of thumb is not to invest more than 10% of your money in high-risk investments.
  4. You are unlikely to be protected if something goes wrong
    • Protection from the Financial Services Compensation Scheme (FSCS), in relation to claims against failed regulated firms, does not cover poor investment performance. Try the FSCS investment protection checker here.
    • Protection from the Financial Ombudsman Service (FOS) does not cover poor investment performance. If you have a complaint against an FCA-regulated platform, FOS may be able to consider it. Learn more about FOS protection here

If you are interested in learning more about how to protect yourself, visit the FCA’s website here.

For further information about investment-based crowdfunding, visit the FCA’s website here.

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Qardus - Website Conditions of Use/Legal Notices

Welcome to the www.qardus.com website ("this site"). This website is controlled by Qardus Limited with its registered office at 3.09a 1 Lyric Square, London, England, W6 0NB, United Kingdom (hereinafter referred to as "Qardus", "we" or "us"). The use of this site is subject to the following conditions.

Please read the undernoted conditions carefully before you use this site. By using any part of this site you will be held to have accepted that you will be bound by these conditions. ShareIn may change these conditions at any time by posting new or amended conditions on this site. Your continued use of this site after any changes are posted means that you are held to have accepted that you are bound by the new or amended conditions. Please therefore check our conditions regularly.

FSMA/INVESTOR DISCLAIMERS

Investment whether in new or existing businesses carries high risks as well as the possibility of high rewards. It is consequently very speculative and potential investors should be aware that no established market exists for the trading of shares in private companies, and such shares are not easily realisable. It must be appreciated that there could be difficulty in selling such investments at a reasonable price and, in some circumstances, it may be difficult to sell them at any price. Accordingly you should consider very carefully whether such investments are suitable in the light of your circumstances and commitments and the financial resources available to you. Engaging in any investment activity may expose you to a significant risk of losing all of your investment.

Any business plans and financial projections posted on this website for "investors" are posted only for the personal use by registered investors. It does not purport to contain all the information that a prospective investor may require. All such information is confidential and by gaining access to such information you agree to keep it confidential at all times.

Each investor who uses this website acknowledges that a decision to invest in a company is a personal decision and that no responsibility for the consequences of that decision is accepted by Qardus or by any of its directors, employees, consultants or other members.

Each investor who uses this website is required to acknowledge and agree to these conditions, the Investor Terms and Conditions, the Privacy, Cookie and Data Use Policy and the Risk Warning Notice. These should be read carefully and if an investor is in any doubt then he should take his own professional advice.

GENERAL WEBSITE DISCLAIMERS & TERMS

This site content is provided for information only without any warranty, express or implied, that the content is accurate, current or complete, fit for a particular purpose or free from any computer viruses or defects. We will not be liable for any loss or damage caused by a virus or denial of service that may infect your computer hardware or programs, data or other proprietary material due to your use of this site and/or your downloading of any material posted on it (whether belonging to Qardus or not).

Commentary by Qardus and other materials posted by Qardus on this site are not intended to amount to advice by Qardus or by any of its directors, agents, employees or members. We are not liable or responsible for any reliance placed on such materials by you or anyone who you may inform of any of its contents.

Qardus will not be liable for any damages of any kind resulting from the use of or inability to use this site or its content. No guarantee is given that this site will always be available 24/7.

This site may contain links to other websites. Qardus does not approve or endorse and accepts no liability for the content of any third party websites which may be accessed via, or linked to, this site. The existence of a link to another website is not an authorisation by Qardus to you to access content or material from that other website.

COPYRIGHT ETC

All rights, including copyright and database rights, in this site belong to or are licensed to Qardus United Kingdom and international copyright and database right laws and treaties protect this site and all content on this site. © Copyright 2015 Share In Ltd. All rights reserved.

"Qardus" is the trade mark of Qardus Limited in the United Kingdom. Other product and company names and logos mentioned on this site may be the trade marks or registered trade marks of their respective owners.

You may not copy any part of this site, or carry out any other act which is protected by copyright or extract or re-utilise the whole or any substantive part (evaluated quantitatively and/or qualitatively) of the content of this site other than: -

  • Printing in hard copy form portions of the content of this site for personal use;
  • Downloading any page from this site for personal use only;
  • Storing pages from this site in a cache or other temporary retrieval system for the sole purpose of personal viewing off-line.

These consents do not permit you to modify any of this site’s content or to use it in any commercial material without our prior written consent.

LINKING

You may, subject to the following conditions, provide a link to the Home page of this site: -

  • The right to link to this site is revocable by us and we reserve the right to prohibit any link and to employ measures, including technical measures, to remove any link;
  • Any link to this site must not be misleading or give the impression that we are associated with you or have approved or endorsed any internet site or equivalent entity from which such link is made;
  • Any such link must indicate qardus.com as the destination of the link and must not use any Qardus logo or other proprietary graphic or trade mark without our prior written consent; and
  • You may not use framing or deep linking to this site without our prior written consent.

USE AND INDEMNITY

  • Qardus expressly prohibits the use of this site by you for any purpose which may be unlawful in the United Kingdom.
  • You agree to keep Qardus indemnified against any claim, loss, liability, damages or expenses on a full and unqualified indemnity basis arising out of any misuse by you of any part of this site or any information embodied in it.

WAIVER AND ENFORCEMENT

  • Failure by us to take action in respect of a breach by you of these conditions shall not prevent us from taking future action in respect of the same breach or any other breach by you of these conditions, unless we agree to the contrary in writing.
  • If any of these conditions is held to be unenforceable it will not affect the validity and enforceability of the remaining conditions.

OUR DETAILS

  • The service provided through this website is provided by Qardus Limited
  • Qardus Ltd's registered address is 3.09a 1 Lyric Square, London, England, W6 0NB, United Kingdom
  • Qardus Ltd’s registered company number is 12181387.
  • Qardus Ltd can be contacted via email at contact@qardus.com
  • Qardus Ltd is authorised and regulated by the Financial Conduct Authority (FRN 921442)

GOVERNING LAW

These conditions of use are governed by the Law of Scotland and the Scottish Courts shall have non-exclusive jurisdiction in any disputes between you and us.

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Contact:

contact@qardus.com
020 3997 4757

Address:

3.09a 1 Lyric Square
London
W6 0NB

Funding Type

  • Islamic business finance

Partners

  • Brokers

Funding Solutions

  • Unsecured business loans
  • Secured business finance
  • Alternative business finance
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  • Small business finance
  • Business line of credit

Industries

  • Healthcare finance
  • Manufacturing finance

Legal

  • Risk Warning
  • Investor Terms & Conditions
  • Privacy Policy
  • Website Terms

Investing in offers providing financing to SME companies involves risks, including loss of capital, illiquidity, lack of dividends and dilution, and it should be done only as part of a diversified portfolio. Investing using this platform is only for investors who understand these risks. You will only be able to invest in an offer once you have met our conditions for becoming a registered member. 

PLEASE CLICK HERE TO READ THE FULL RISK WARNING

Qardus Limited (FRN 921442) is an appointed representative of Share In Ltd (FRN 603332), which is authorised and regulated by the Financial Conduct Authority. Investments offered for sale on this website are not offers to the public. Investment can only be made by registered investors on the basis of information provided by Qardus Limited. 

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