Kestrl
By Adam Parker · Reviewed 2026-06-29
UK Sharia-compliant money app focused on budgeting and a Sharia-aligned investment marketplace, not an SME lender. It does not hold its own FCA authorisation: account-information runs through TrueLayer (an FCA-authorised provider) and any card is issued by an FCA-authorised e-money firm. Useful to know about as a Sharia-aligned money app, but it does not itself lend to businesses.
Founder & Managing Director, Muswell Rose, FundBiz
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind FundBiz. His background runs through commercial finance, mortgages and fintech, including as managing director of an invoice finance business. He oversees FundBiz's specialty finance comparison and the logic behind how businesses are matched to lenders.
Last reviewed: 29 June 2026
Sharia structures offered
- · Wakala-based deposit products
Pros
- ✓ Sharia-aligned budgeting and investment app.
- ✓ App-based onboarding.
- ✓ Active product development.
Cons
- ✗ Not a bank and not itself FCA-authorised; it operates through regulated partners.
- ✗ Does not lend to businesses.
- ✗ Smaller Sharia governance footprint than full Islamic banks.
Best for
- · SMBs wanting a Sharia-aligned operating account before borrowing
- · Tech-led businesses comfortable with fintech UX
Weak at
- · Larger commercial lending
- · Sharia structures requiring full Islamic-banking infrastructure
Sharia governance
Kestrl states that independent Sharia advisors review its product structures. Confirm the current arrangement with the provider directly.
How to apply
Apply directly via www.kestrl.io. Kestrl works on a relationship basis for commercial finance; expect a qualified call before a written term sheet.
Not sure this is the right fit?
Tell us ticket size, the asset or use case, trading history and sector. We match you against the right Sharia-compliant route and the wider FundBiz specialty panel where a conventional structure fits better. Limited companies, LLPs and partnerships of 4+ only.
Check eligibility →Reviewed by Oliver Mackman, Director, Best Business Loans Ltd. Editorial only. We are not an FCA-authorised adviser, and Kestrl did not pay for or pre-approve this review. See our methodology. Last reviewed: 2026-06-29.