Islamic Business Financing in London, England

AlRayan's core business line since the pivot to Structured Real Estate: Sharia compliant finance of 2.5m to 32m GBP for purchasing or refinancing residential-focused commercial property, on 1 to 25 year terms with negotiable rental rates and FTV. Facilities are typically 5-year profit-only or 7-year partially amortising (longer case by case), with profit-only, partially amortising and fully amortising options, bespoke underwriting, and no penalty for selling the property at any time (an administration fee applies). The bank passed 2 billion GBP of gross commercial property finance and CPF drove its record FY2025 results.

Sharia-compliant unsecured working-capital finance for UK SMEs from GBP 25,000 to GBP 200,000 over 6 to 36 months, from Qardus, which describes itself as the UK's first ethical Sharia-compliant business financing platform. Instead of interest, the SME pays a pre-agreed arrangement fee and a fixed profit rate set in advance. Applications are online with an in-house soft-search review that does not affect the credit score, a funding offer within 48 hours if approved, and money typically in the account within 2 working days of signing. Eligibility: UK-registered limited company or partnership, minimum 3 years of trading (no start-ups), stable cash flows, no outstanding CCJs, and operation in a Sharia-compliant sector. Funded by high-net-worth and sophisticated investors through Qardus's marketplace; Qardus reports GBP 5.1 million capital deployed and a 40% repeat-client rate with strength in healthcare and pharmacy SMEs (crawled qardus.com, 2026-08-06).

Qardus's secured Sharia-compliant finance tier for UK SMEs, from GBP 150,000 up to GBP 500,000 for terms up to five years, leveraging existing business assets as security. It extends the same interest-free model as the unsecured product - pre-agreed arrangement fee plus a fixed profit rate - to larger tickets and longer terms for established businesses. Same eligibility gate: UK-registered limited company or partnership, 3+ years trading, stable cash flows, no outstanding CCJs, Sharia-compliant sector. Qardus says it plans to add longer-duration asset financing over time (crawled qardus.com, 2026-08-06).