Funding Without the Headaches
Ironstone exists to help UK small and medium-sized businesses get the funding they need easily, without the paperwork hassle, with dedicated support through the whole process and after.
We want to see you win.
Who we work with
We work with UK limited companies in every sector, from established firms that need working capital to growing businesses ready to invest.
Whether you run a construction firm, a restaurant group, a haulage company or a professional services practice, the story is often the same: you are good at what you do, and funding should not be the hard part.
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UK limited companies across every industry
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Funding needs from £25k to £1m
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Owner-managed and growing businesses
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Businesses that have been turned down by their bank and want another route
We only work with limited companies. We do not arrange finance for sole traders or consumers.
What gets in the way, and how we ease it
Most business owners we speak to are not short of ambition. They are short of time, and funding processes tend to take a lot of it.
1
Not knowing which product fits
There are loans, lines of credit, invoice finance, asset finance and more, and each one suits a different need.
How we help
We start with what the money is for and explain your options in plain English, so you choose the right route and not just the first one offered.
2
Mountains of paperwork
Bank statements, accounts, ID and forms, often requested piece by piece and more than once.
How we help
We tell you exactly what is needed up front, collect it once and package it properly, so you are not asked for the same thing twice.
3
Waiting and wondering
Applications go quiet, and owners are left chasing for updates while the business waits.
How we help
You have one named person who keeps you updated and keeps lenders moving. Where a lender can, decisions can come in as little as 24 hours.
4
Worrying about credit footprints
Applying in several places can leave marks on a credit file, which makes people hesitate to look around.
How we help
We use soft searches when checking your options, so looking around does not leave a footprint.
6
Being declined without knowing why
A refusal with no explanation leaves you unsure what to fix or where to try next.
How we help
We match you with lenders whose criteria fit your company, and we tell you honestly where an application is weak and what could strengthen it.
5
Jargon and small print
Personal guarantees, debentures, fees and charges can be hard to untangle until it is too late.
How we help
We explain each term before you sign and flag anything that could catch you out.
Our story
Ironstone started with a simple belief:
Getting business funding should feel like having someone on your side, not like filling in forms until you give up.
Where we started
We spent time on the lending side, talking with business owners about funding. The same things came up again and again: confusing options, endless document requests and long silences while they waited to hear back.
What we noticed
Good businesses were being held back less by their numbers than by the process. Owners who should have been running their company were spending evenings chasing paperwork.
What we built
Ironstone Commercial Finance: a UK-based, online broker for limited companies, with access to 100+ lenders and one person guiding you from first call to funding and beyond.
Where we are going
To be the broker you call every time your business needs funding, whether that is next month or in five years, because we already know your story.
What we stand for
P
Pace with care
We move quickly because time matters to a business, and we take care so speed never means a poor fit.
S
Straight talk
We say so when a product is not right for you, when an application looks weak and when a cheaper route exists.
L
Long-term partnership
Funding is not a one-off transaction. We stay in touch after completion and help as your business changes and grows.
C
Clarity
Plain English, real costs and nothing buried in the small print. You should always know what you are agreeing to.
Small businesses deserve funding that works as hard as they do.
We want to see you win.
They employ people, serve their communities and keep the country moving. They deserve the chance to grow and flourish, and a partner who makes the money side simple.