Whole-of-market
We are not tied to one funder. The route is matched to the deal.
Enterprise finance
Finance technology programmes without concentrating spend into one budget year.
For larger UK companies funding multi-site hardware, software, equipment and infrastructure programmes. IQ Finance works with your finance team on structure, term and documentation before the case goes to a funder.
Figures are indicative only and are not finance offers. Final approval is subject to status, lender criteria, affordability, documentation and approval.
Who this is for
Built for finance and IT teams running a planned programme, not an ad hoc purchase.
At this size the finance decision is usually shared between IT, procurement and finance. The work is getting those three to agree the schedule and the payment profile before the funder is approached.
Finance and treasury teams
For teams managing capital treatment, budget cycles and treasury sign-off across a technology programme.
IT and infrastructure leadership
For estate refresh, data centre and network replacement, and end-user devices planned across multiple sites.
Procurement
For framework agreements and multi-year supplier contracts where the payment structure needs to match the delivery schedule.
Group and divisional finance
For decisions that cross subsidiaries or cost centres and need consistent terms and audit-ready documentation.
Enterprise finance scope
What enterprise finance can cover
Sizeable programmes work when the schedule is documented and the supplier obligations are clear.
Estate refresh
Multi-site hardware replacement
Replace desktops, laptops, networking and peripherals across locations on a planned cycle.
Infrastructure
Data centre and network
Servers, storage and networking, timed against a refresh plan rather than a single year's budget.
Software
Enterprise software programmes
ERP, CRM and platform implementation, licences and the services that go with them.
Devices
End-user device estates
Staged rollout of laptops, mobiles and peripherals, delivered in waves as staff join or sites open.
Security
Security infrastructure
Access control, surveillance and alarm systems across several premises, where specification and installation are defined.
Structure
Large-ticket agreements
Bigger agreements where term, payment profile and documentation need to satisfy both treasury and the funder.
How it works
From programme outline to funder decision
A documented sequence your finance team can take to committee.
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Finance Estimate
Share the programme outline, supplier detail and cost context to produce a finance estimate for planning.
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Secure Application
When ready, continue through secure application and provide the accounts and documentation for the relevant legal entity.
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IQ Finance Broker Review
IQ Finance reviews the entities, the programme and the finance structure before matching the case to a funder.
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Funder Decision
The matched funder completes final review and decisioning. Outcomes remain subject to status, lender criteria, affordability, documentation and approval.
Preparation checklist
What to prepare for an enterprise finance enquiry
The more of this is settled up front, the fewer questions come back later.
Programme Scope
- Phased delivery plan.
- Sites and entities involved.
- Supplier contracts or framework terms.
Commercial Detail
- Total programme value.
- Preferred term.
- Payment profile across the delivery period.
- VAT and capital treatment.
Business Context
- Group and entity accounts.
- Existing facilities and debt.
- How the programme is funded today and what it replaces.
Application Readiness
- Treasury or board approval route and timing.
- Signatories.
- Guarantees, cross-company support or security likely to be offered.
When to speak first
Bring us in before the supplier contract is signed.
Structuring a programme after the contract is fixed leaves less room to move. An early conversation keeps the options open.
- The programme runs across more than one legal entity or cost centre.
- Delivery is phased over several months or years.
- Existing facilities or group debt need to be taken into account.
- Treasury or board approval depends on the payment profile.
- The supplier contract bundles hardware, licences and services into one price.
Enterprise finance FAQ
Questions before applying for enterprise finance
Answers on programme structure, entities and documentation for larger cases.
Can finance cover a programme rather than a single purchase?
Yes, where the programme can be documented. Phased delivery, several sites and more than one supplier can be structured, though each funder will want the schedule and the payment profile to line up.
How does this affect capital or operating treatment?
That is an accounting question for your finance team. The structure of the agreement can affect how the cost is treated, so involve your accountants early. IQ Finance can explain the payment profile but does not give accounting or tax advice.
Can several companies in the group be included?
Each legal entity is normally assessed on its own accounts. Group support, guarantees or cross-company arrangements may be possible depending on the funder and the strength of the group.
What documentation does a large agreement need?
Typically the supplier contract or framework, the programme schedule, latest group and entity accounts, details of existing facilities, and evidence of treasury approval. Requirements vary by funder.
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.
Next step
Ready to plan funding for your next technology programme?
Start with a finance estimate, or speak to IQ Finance if the programme spans several sites, several entities or more than one budget year.
Figures are indicative only and are not finance offers. Final approval is subject to status, lender criteria, affordability, documentation and approval.