Business finance

Finance business technology and project costs without tying up cash.

For UK businesses investing in IT hardware, software and services, machinery and equipment, CCTV, green energy, or wider project costs. Start with a finance estimate, then continue through the secure application when you are ready.

Get a finance estimate Speak to the team

Figures are indicative only and are not finance offers. Final approval is subject to status, lender criteria, affordability, documentation and approval.

How IQ Finance helps

Start with clarity before you apply

Understand what happens before you move into secure application details.

  • Estimate first

    Get a planning view before sharing full application detail.

  • Secure application

    Continue through secure application when you are ready to proceed.

  • Broker review

    IQ Finance reviews your structure and context before funder matching.

  • Funder decision

    The matched funder completes final underwriting and decision.

Built for real business purchases

What you can finance

Core categories supported for UK business investment.

Technology and equipment

Fund IT hardware and core technology equipment in one structure.

  • IT hardware
  • Infrastructure
  • Upgrades

Software and Services

Support software platforms and service-led delivery across manageable terms, subject to suitability and underwriting.

  • Software
  • Implementation
  • Business systems

Machinery and equipment

Fund machinery and equipment projects linked to operational capability and growth.

  • Machinery
  • Equipment
  • Operations

CCTV

Support CCTV, access control, alarms, and related security infrastructure projects.

  • CCTV
  • Access control
  • Security

Green energy

Back green energy and efficiency projects with structured funding.

  • Green energy
  • Efficiency
  • Resilience

Project capability

Fund broader project costs tied to technology delivery capability.

  • Project capability
  • Technology investment
  • Operations

How it works

From quote to decision in four steps

Follow the sequence from first estimate through to final funder decision.

  1. Finance estimate

    Provide core project, supplier and cost details for a finance estimate.

  2. Secure application

    Continue to secure application when ready and share supporting documentation.

  3. Broker review

    IQ Finance reviews business and project context before funder matching.

  4. Funder decision

    The matched funder completes final underwriting and issues the decision.

Preparation checklist

What to prepare

Bring these details early so broker review and funder conversations stay efficient.

Business profile

  • Company legal name, registration number and trading history summary.
  • Primary contact details for the people approving the purchase.
  • Short overview of what the investment supports in your business.

Asset or project scope

  • Supplier quote or project scope with estimated total cost.
  • Preferred term and expected timeline for delivery.
  • Any phased milestones that affect deployment or drawdown.

Financial context

  • Recent filed accounts or management figures where available.
  • Business bank statements where requested during underwriting.
  • Any context that could influence affordability review.

Application readiness

  • Known internal approvals or deadlines before submission.
  • Preferred communication point for secure application updates.
  • Any complexity that should be reviewed before full submission.

Why businesses use IQ Finance

Commercially clear support for structured purchases

Move from early planning to secure application with support built for technology-led business investment.

  • Estimate first
  • Broker reviewed structure
  • Funder-led final decision

Technology finance focus

Built around technology purchases, implementation, machinery, and security project costs.

Broker-led funder matching

Cases are reviewed and packaged before they reach the matched funder.

Clear path from quote to decision

From finance estimate to secure application, each stage is commercially clear.

Questions before you apply

Questions businesses ask before applying

These questions focus on review flow, decision criteria, and what to prepare before you apply.

Is a finance estimate the same as approval?

No. Figures are indicative only and are not finance offers. Final approval is subject to status, lender criteria, affordability, documentation and approval.

When does the secure application start?

After your initial quote stage, you continue through secure application where application details and documentation are handled.

Who reviews my application?

IQ Finance performs broker review first, then your matched funder carries out final review and decisioning.

Can one application include software, services, and equipment?

In many cases, yes. Mixed purchases can often be structured together, subject to deal context and lender criteria.

What does subject to status mean in practice?

It means any finance decision depends on business profile, affordability, documentation quality, and the selected lender's underwriting criteria.

Next step

Ready to size your project?

Start with a finance estimate, then continue through the secure application when you are ready.

For your business purchase

Get a finance estimate

Need guidance first

Speak to the team

Figures are indicative only and are not finance offers. Final approval is subject to status, lender criteria, affordability, documentation and approval.