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IF-ISA eligible
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The Cur8 GBP Income Fund

The GBP Income Fund represents the UK’s leading sharia-compliant income investment option, providing stable & secured returns, underpinned by value-aligned, impactful investing, and a strict focus on capital-preservation.

Up to 7.75%

*based on notice period and membership

100%

Consecutive on target distributions made to date

2,000+

Active investors

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Executive Summary

A diversified, asset-backed sharia-compliant income fund

The Cur8 GBP Income Fund provides stable, secured income via a portfolio of sharia-compliant secured assets, collateralised real estate financing, working capital & trade finance, and money markets. Backed by Cur8 Capital, the UK’s leading sharia-compliant private investment platform with $230m+ AUM.

£60m+

Assets under management

2,000+

Active investors

£3m+

Distributions paid to date

2023

Fund inception

100%

Distributions at or above target since inception

Strategy

Capital is deployed across a diversified pool of collateralised real estate financings, primarily home purchase plans (HPPs), alongside short-dated money markets and selective working capital exposures. Each underlying counterparty undergoes rigorous diligence from Cur8’s investment team.

Structure

The Fund operates through an independent SPV with institutional governance. The management fee is fixed at 2.00% per annum, funded from returns above target (1.75% for Members). Tiered 3, 6, and 12-month notices align liquidity with the underlying asset profile. The headline rate is fixed for one year from investment.

Regulation

Cur8 Capital is the trading name of IFG.VC Limited, authorised and regulated by the FCA (No. 943736). The Fund is UK-domiciled, GBP-denominated, and eligible for the Innovative Finance ISA wrapper and SSAS pension structures.

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The UK’s leading sharia-compliant income investment option

Learn how the 1% build wealth and how you can do the same.

Stable, Secured Income

Deliver predictable, asset-backed yields underwritten by collateralised real estate financings, money markets and trade finance. Distributions paid are every June and December.

Capital Preservation

Protect investor principal through layered defences: a 24-month Manager Pledge, a 2.5% reserve fund rising to 3.5%, an independent SPV, and a zero-leverage policy.

Sharia Alignment

A transparent Wakala note structure. Independently certified by Amanah Advisors.

Impact Investing

Direct investor capital into the underserved UK sharia-compliant home, car & trade finance markets through partnerships with established providers.

Tiered Structure

Diversify across notice periods

Longer notice periods carry a higher target rate, reflecting the duration of the underlying portfolio. All headline rates are fixed for one year from investment. Member investors receive a 25bps uplift.

3-month notice

5.00% 4.75%

6-month notice

7.00% 6.75%

12-month notice – Highest target rate. 1-year rate lock. Aligned to the duration of the underlying portfolio.

7.75% 7.50%

Highest target rate. 1-year rate lock. Aligned to the duration of the underlying portfolio.

Rates are stated net of the 2.00% management fee, which is funded from returns above target. The Member rate reflects a 25bps fee reduction. A 2.5% notice-period haircut (1.25% for 12-month notice) applies during the notice window.

Returns Calculator

Investment returns calculator

Use this calculator to understand the growth of your investment over time, depending on how much you invest initially, your notice period, membership, how much you top up each round, your tenure, as well as whether you choose to re-invest or withdraw income over time.

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Leadership & governance team

A seasoned team backed by an independent Investment Committee and specialist counsel delivers disciplined execution and oversight.

Investment Committee

Our Investment Committee sets allocation and risk limits, ensuring disciplined decision making and robust oversight. It reviews valuations, liquidity, cash management and redemption activity, whilst overseeing conflicts and related-party exposure.

Image of Mayur Jethwa

Mayur Jethwa

Operating Partner IC Member

Management Team

Our team manages the full lifecycle of each transaction, including origination, underwriting and structuring across core strategies.

Image of Sulaiman Moolla

Sulaiman Moolla

Managing Director of Investments

Image of Uzair Ali

Uzair Ali

Principal

Image of Husain Laher

Husain Laher

Private Equity Investment Manager

Image of Zain Karbani

Zain Karbani

Investment Manager | Real Estate

Image of Nabeel Vania

Nabeel Vania

Legal Counsel

Bringing a Wide Range of Experience…

External Legal Counsel

Portfolio composition

What the Fund invests in

Capital is deployed across a diversified portfolio of sharia-compliant, secured assets. Primarily collateralised real estate financing. With allocations to working capital, trade finance and money markets for liquidity.

Real Estate – HPP

Collateralised home purchase plans (HPPs) deployed through leading sharia-compliant home finance providers.

Real Estate – Other

Other secured real estate financing including bridging, BTL mezzanine and RMBS-style products.

Money Markets

Short-dated sharia-compliant deposit products. Wakala and Murabaha. Held to maintain liquidity and preserve capital value.

Working Capital & Trade Finance

Diversified exposure to SME working capital and trade finance opportunities.
£60m+

AUM

Real Estate – HPP

Real Estate – Other

Money Markets

Working Capital & Trade Finance

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Who is this Fund for?

Over 2,000 investors hold positions across personal accounts, business entities, IF-ISAs, and pension vehicles.

IF-ISA Eligible

UK Tax Payers

The IF-ISA option allows tax-free investment up to the £20,000 annual ISA allowance. Distributions can be reinvested semi-annually, compounding returns above the headline rate. Existing ISAs are transferable into the Cur8 Capital platform.

Corporate & SSAs

Businesses & Directors

The Fund accepts corporate cash management subscriptions across multiple notice tenors. Directors may also invest through a Small Self-Administered Scheme (SSAS), combining the Fund’s target yield with available pension tax reliefs.

Income-focused

Lower-Risk Income Investors

Asset-backed yields above prevailing deposit rates. Semi-annual compounding produces net returns above the headline yield over longer holds.

Institutional

Institutional Capital

A bespoke structure within the UK Islamic residential mortgage market, suitable for institutional and family-office allocations. Returns are supported by collateralised assets within an ESG framework.

Impact

Case Studies

Capital deployed by the Fund flows to counterparties operating in markets underserved by conventional finance: homes, businesses, and livelihoods.

StrideUp case study image
Home Financing

StrideUp

A bespoke funding line provides Fund investors with exposure to a sharia-compliant home purchase plan provider. Capital is deployed to support British Muslim families purchasing homes through interest-free structures.

Primary asset type

Offa case study image
Buy-to-let & Bridge

Offa

BTL financing today, with HPP offerings to follow upon licensing. Extends the Fund’s reach to landlords and underserved communities while diversifying secured real-estate exposure.

Ayan Capital case study image
Car Financing

Ayan Capital

Vehicle leasing for taxi and ride-hailing drivers. Provides the Fund with short-dated, income-generating consumer finance exposure.

Relationship banks and deployment counterparties

Tax-efficient structures

Built for Tax efficient investing

Multiple tax-efficient structures are available depending on investor type. Selection should be based on individual circumstances and tax position.

UK Taxpayers

IF-ISA

The Innovative Finance ISA wrapper. UK taxpayers may invest up to the annual ISA allowance on a tax-free basis. Distributions and capital growth are tax-free within the wrapper. Existing ISAs are transferable into the Cur8 Capital platform.

£20,000

tax-free allowance, per year

Pension Structure

SSAS

Small Self-Administered Scheme. Directors may invest pension assets into the Fund, combining the target yield with tax relief on contributions of up to 45% and tax-free growth within the scheme.

up to 45%

tax relief on contributions

Learn more about IF-ISA

Cur8 Capital began with a mission to make ethical finance accessible and transparent—growing from a blog into a trusted wealth platform.

Sharia Compliance

A sharia-compliant first Fund

The Fund operates through a Wakala note structure, providing direct exposure to a pool of asset-backed financings. Returns are generated through profit-sharing arrangements consistent with sharia principles and Islamic finance.

Sharia compliance obligations are embedded in every legal document signed with investment partners, with consultation with the Fund’s sharia adviser for edge cases. The structure does not rely on commodity murabaha or synthetic wrappers.

The Fund’s mandate supports the growth of sharia-compliant home finance in the UK. The Fund is independently certified by Amanah Advisors, represented by Mufti Faraz Adam.

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Wakala Note Structure

Direct exposure to a pool of asset-backed financings. Returns derive from profit-based activities.

Contractual Compliance

Sharia compliance obligations are embedded in all counterparty legal documentation. Edge cases are subject to consultation with the Fund’s sharia adviser.

Independent Sharia Reviews

Independent sharia advisory firm. All Fund structures are certified by Amanah Advisors and subject to ongoing review.