Qadr Financial offers Sharia-compliant business-friendly working capital to growing brands, retailers and merchants. Offers range from £10K to £1M depending on business. We charge a fixed fee on our capital starting as low as 0.8% per month, our average fee is 1% per month. We don’t take personal guarantees, warrants, or hidden fees. The amount accessible is based purely on your actual business performance.

Unlike other Sharia-compliant funding options and venture capital, Qadr Financial offers founders and business owners the opportunity to raise crucial growth capital without giving up control of their business.

Equity can be one of the most expensive ways of raising working capital, as Muslims most founders believe this is the only way to grow, that simply is not true.

We also understand that many Muslims end up subjecting their businesses to conventional financing and paying interest on traditional debt.

Qadr Financial offers a fair and flexible alternative that doesn’t currently exist in the European market, with our private capital and the capital of trusted partners we deploy after understanding your business.

Qadr Financial works alongside or instead of venture capital and we have spent years designing our capital solutions business which is specifically designed for Muslim SMEs to address the fact that, for many small businesses, venture capital is simply not the best way to raise finance.

Qadr Financial offers fair and flexible funding that can be used to finance a growing business without the founders having to give up equity or take on the burden of traditional debt.

We charge a fixed fee on our capital from 0.8% to 1.25% per month. The average monthly fee is 1%. An agreement has a minimum of 2 months, so the lowest base-fee we will charge is 2%.

Example: For an 6 month term, the base-fee will be 6%. There is no interest rate, you’ll know the exact total amount you are paying before you accept the offer of capital.

Your business must have the following:

• Minimum 2 years trading history available

• A business that has physical inventory or assets available

• A proven track record of paying your zakat annually

• Minimum $10k sales revenue per month for 12 months

We specialise in funding businesses who have a working capital need and are predominantly in the following sectors:

• Pharmacies

• Manufacturing & Industrial

• E-commerce Stores (DTC Brands)

• Food & Beverage Retail with POs

• Food & Beverage Restaurants

Unlike banks, we pride ourselves on understanding young, digital business all over the world. We can work with Limited Companies with at least twelve months of trading history.

Applying for capital will not affect your personal credit score, we make our investment decisions based exclusively on your business information.

Our capital is private capital.

You can access funds in as little as 5 working days of applying online. The first step is to see if you qualify by completing the 10-minute application.

Typically it can take 14 days for you to receive capital.

To receive funding from Qadr Financial, you don’t need to share any business plans, cap tables, or pitch decks.

All we need is to verify your business performance. So we’ll ask you to complete an application and give us access to your business’ existing sales and marketing platforms like Stripe, Shopify, Xero, Quickbooks and Amazon.

Before we can send you the funding, we’ll also need to verify the identity of key people in the company. We just need a couple of basic details including, a quick selfie and a photograph of an official photo ID.

As founders and early stage investors ourselves we know how important it is to have your information kept completely confidential. We’ll never sell your data to third parties.

You can access funds via bank transfer once you have been officially sent and offer and contracts are signed.

Once you sign an agreement with us, the funds should be available to spend within 14 days

Yes, our funding can scale with your business. If your company has grown significantly, contact your account manager to discuss your options. We want to be your long term growth partner, not a one time lender.

We will automatically collect the repayments, either by connecting to your payment processor or by direct debit so you don’t need to worry about remembering.

Repayments will begin on the date agreed on your Offer Letter. This is typically the same day you receive the investment in your bank account.