partner with us
Lender Advantage
We bring you qualified Muslim customers. You fund genuinely halal Murabaha deals. Together, we tap a £3.1 billion underserved market with Zero Competition
The Gap
British Muslims need cars. But they face an impossible choice:
There is no UK lender offering genuinely scholar-certified and transparent Murabaha car finance at scale. Until now.
Qantara brings you deal flow from a loyal, underserved customer base desperate for a halal solution.
We handle:
You handle:
Together, we build the UK’s first genuinely halal car finance ecosystem.
Why Us?
Our certified framework ensures every Murabaha agreement and customer journey complies with all key Islamic principles:
Muslim customers are actively seeking halal finance—and can’t find it.
When you partner with Qantara, you’re not competing for the same customers as conventional lenders. You’re serving an entirely different segment.
Your biggest concern: Offering “Islamic” finance that isn’t actually halal.
If scholars or the Muslim community reject your product, you face:
Qantara eliminates this risk with trusted certification and continued oversight.
You’re a lender, not a marketer. You don’t want to spend millions educating Muslims about halal car finance.
We’ve already done that.
What Qantara provides:
We’re ready to bolt on.
You don’t want to rebuild your systems for one product line.
Qantara’s Murabaha structure seamlessly integrates with your existing infrastructure and operations.
How it works:
The FCA is watching Islamic finance carefully.
Why? Because many “Islamic” products in the UK are just conventional products with Arabic names. The regulator knows this. And they’re tightening oversight.
Partnering with Qantara positions you as a compliant, transparent, best-practice lender.
Lender FAQs
No. We work with any FCA-regulated lender willing to execute genuine Murabaha and accept quarterly Shariah audits. Most of our partners will likely be conventional lenders entering the Muslim market.
The key difference: you MUST purchase the car from the seller first (you own it for a moment) before selling it to the customer immediately. This is critical for Shariah compliance. Everything else (underwriting, servicing, collections) is standard.
Q: What if our credit criteria don’t approve a customer?
Your decision. We match and send pre-qualified leads based on your criteria, but you control underwriting. If you decline, we may refer them to another partner or they don’t get financed. Your risk appetite, your call.
Our Shariah Supervisory team reviews a sample of your deals every 90 days to ensure you followed the Murabaha process correctly (did you buy the car first? Is the profit fixed? Is the customer the owner?). Results published. If issues found, we work with you to correct. This is non-negotiable for certification.
Potentially. We can discuss co-branded or white-label arrangements depending on volume and partnership structure.
We earn a broker commission on each deal (either flat fee per deal or % of profit). Exact terms discussed in partnership process. We’re flexible and want structures that work for both sides.
Partnership agreements include exit clauses. If this were to happen, you continue servicing existing customers, we stop sending new leads. Clean exit, no drama.
Customer contacts for settlement figure (remaining balance). They can settle anytime. No early repayment penalties (Islamically, you can’t penalise early payment). Your margin is reduced (you get back principal + pro-rated profit earned to date), but this is standard in Islamic finance.
Standard process: you have security interest (known Islamically as Rahn) on the car. You can repossess if necessary (same as any secured loan). Islamic finance doesn’t eliminate credit risk—it just structures it differently.
No. We provide full training for your underwriting and servicing teams (1-day workshop). Ongoing support available. Your existing team can handle this.
Explore Partnership
Be one of the UK’s first lenders to offer genuinely scholar-certified halal car finance at scale. Lets talk
Qantara Finance is in the process of gaining FCA authorisation. We will only offer finance once authorised and all Shariah approvals are complete.
© 2025 Qantara Finance Ltd. Registered in England & Wales No. (Company No. 1669466).
Registered Office: Izabella House 24-26, Regent Place, Birmingham, England, B1 3NJ.
Appointed Representative (AR) of ITC
Compliance Ltd (No. 3704001), One Redcliff St, Bristol BS1 6TP — authorised & regulated by the FCA (No. 313486)
Qantara Finance Ltd is a credit broker, not a lender. FCA AR approval pending.
Qantara Finance LTD is registered in England & Wales (Company No. 16694666 with its registered office at Izabella House 24-26, Regent Place, Birmingham, England, B1 3NJ.
Qantara Finance Limited is a credit broker, not a lender. We may receive a commission from finance providers for introducing you to them — the amount of commission will vary depending on the lender, product, or other factors but will always be disclosed upon request.
We are currently in the process of gaining FCA approval to operate as an Appointed Representative (AR) . We will only offer or arrange finance once all necessary regulatory approvals are complete.
All products are offered in line with Shariah principles and under the supervision of our independent Shariah Supervisory Board.
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