Your capital is at risk and investments are not covered by the Financial Services Compensation Scheme (FSCS).
Read our full Risk Warning Opens in new windowYour capital is at risk and investments are not covered by the Financial Services Compensation Scheme (FSCS).
Invest your money ethically
Fund your business
Investments
How it works
Register
Open your online account in a few simple steps and transfer money from your bank account.
Invest
Begin to fund small businesses across the UK that are looking for financing facilities in an ethical manner.
Manage
You will receive your principal and returns in monthly installments from the businesses you have funded over the term of the facility. Track these repayments on the investor dashboard.
Latest News
The Islamic Financial Services Industry Statistics
by Ali Ismail
Islamic finance refers to financial services that must adhere to Sharia law. Explore the latest insights in the Islamic Financial services industry with Qardus.
Ethical Investing: What is it and how does it work
by Ali Ismail
Ethical investing is centered on the core concept that investments are made with a focus on social responsibility, positive impact and ethical principles.
How To Get Investors For Your Business
by Shazia Hussain
For new startup and small businesses, finding funding and investors can be challenging but it is not impossible. Securing investors for your business can elevate simple ideas into successful companies.
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Frequently asked questions
While there is no universally accepted definition of ethical finance, the Ethical Finance Hub describes it as "A system of financial management or investment that seeks qualitative outcomes other than purely the management of returns. Outcomes sought may reflect ideas from faith, social, environmental and governance theories."
Islamic finance refers to a financing system which is modeled on Islamic principles such as no interest-based products, transparency, fairness, equitable products, manageable debt products, risk-sharing products and many other noble concepts. Islamic finance includes Islamic banking, Islamic capital markets, Islamic money markets, Islamic insurance (Takaful), Islamic microfinance and Islamic wealth management firms.
- The World Bank mentions that Islamic finance is ethical, sustainable, environmentally and socially responsible finance. It promotes risk sharing, connects the financial sector with the real economy, and emphasizes financial inclusion and social welfare.
- Qardus is the first ethical sharia compliant business financing marketplace in the UK. On one side of the marketplace, small businesses can obtain sharia compliant business financing in a fast and affordable manner. On the other side of the marketplace investors can generate attractive returns by funding ethical SMEs across a range of sectors.
We charge an arrangement fee ranging from 5% to 7% that is paid by the small business seeking financing on drawdown of the funds. In practice, it will be retained from the advance.
We offer secured and unsecured business financing in the UK with an average ticket size up to £200k and terms of up to 36 months. Later on, we plan to offer asset financing with longer duration.