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Customer credit guidelines

In today's financial landscape, it's more critical than ever that you don't undersell your business to a potential lender. Not only might you be declined credit, but you may also end up paying a higher rate than is necessary.

Imagine you were lending your own money to a business – what would you like to know?

With IQ Finance, you're in good hands. We're experts in putting together proposals for credit underwriting and will guide you through the process and make sure you maximise your chances of approval, with the minimum of fuss.

What information is required?

For privately owned businesses, the following is a guideline. This does not usually apply to publicly quoted companies and public sector bodies.


  • Full unabbreviated accounts for the last financial year (or draft accounts if you have recently passed your year end)
  • Recent management accounts for the current financial year to date


  • Some background commentary to your business i.e. what you do, how long trading, who your customers are, etc
  • Any recent changes, post balance sheet events or contract wins that aren't reflected in the accounts provided
  • A description of the investment rationale – i.e. what the new system/software will do for the business, cost/benefit analysis, return on investment assumptions
  • Any other relevant information that you feel may support your application

Start up businesses/management buyouts/buyins

  • An opening balance sheet, giving details of any investment/purchase details
  • A full business plan or executive summary

Sole traders/partnerships and or limited companies where directors are providing personal guarantees

  • Full names, addresses for the past 3 years, dates of birth, home equity details
  • A positive and clean search is required

Features and benefits

Our financial products and services provide a wealth of major benefits for successful companies, from business start-ups to large corporations.

Tap into an alternative source
of credit

Get a faster return on your

Enjoy greater peace of mind

Easy budgeting to suit you

Save on your tax liability

Your other assets are not at risk

A tidier, simpler balance sheet

No need to pay for disposal

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