Fill out the Form: Complete the simple online form to provide us with basic information about your business and funding requirements.
Consultation: Once we receive your request, our experienced financial consultants will reach out to you for a consultation. We aim to understand your business goals, financial history, and funding needs.
Customized Quote: Based on the information gathered during the consultation, we will create a customized quote that outlines the funding options available to you. This quote will include details such as loan amount, interest rates, and repayment terms.
Review and Approval: Review the quote at your convenience and feel free to ask any questions you may have. Once you’re satisfied, we’ll guide you through the approval process, ensuring a seamless experience.
At IB12 Payments LTD, we make it easier for new businesses to access funding without the barriers of traditional banks. Our startup loans are designed to help you launch quickly, even if you don’t have perfect credit or strong sales history yet.
Approval is not based on perfect credit history, making funding accessible for more new entrepreneurs.
You don’t need strong or long trading history to qualify — ideal for brand-new or early-stage businesses.
You won’t be asked to provide a guarantor or put personal assets at risk.
Tailored specifically for small and startup businesses across the UK.
Simple application with no heavy paperwork or complicated financial statements.
Get quick decisions so you can focus on opening and operating your business.
Funding is linked with new card machine setup so you can start accepting payments immediately.
Use the loan for stock, equipment, rent, marketing, or other business needs.
We needed funding to open our takeaway and IB12 Payments LTD arranged both the startup loan and card machine at the same time. No long forms, no bank stress. The team explained everything clearly and got us set up quickly. Highly recommended for new businesses.
What I liked most was the communication. They guided us through card terminal options and funding at the same time. No hidden charges and no pressure. Everything was transparent from start to finish.
Banks kept rejecting us because we were new and didn’t have strong credit. IB12 Payments LTD gave us a chance and helped us start trading with a card machine and funding. Very grateful for their support.
Our monthly card and Uber Eats sales were used to arrange a merchant cash advance. Repayments adjust with sales, which really helped during quieter weeks. Very professional and honest service.
IB12 Payments LTD provides startup loans, merchant cash advance, card terminal services, and finance management solutions on behalf of trusted card machine and funding partners. We help startups and growing businesses access fast, flexible funding based on their real transactions — not just credit scores.
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