Business Loans for Trades People

Borrow £1,000 - £500,000: money you can use for wages, materials, and equipment.
Invest in growing your business today.

24 hours

to get a decision

No fees

for repaying early

Tradecard has partnered with Iwoca to bring simple loans to trades in the UK.

How does Tradecard work?

Apply online in 5 minutes

We've designed our business with trades businesses in mind, so you'll just need the basics to get started.

Get approved in 24 hours

If you're approved for a business loan, you can transfer as much as you need over to your bank. The money should hit your bank within hours.

Borrow from 1 day to 2 years

Your repayment schedule will depend on your circumstance, but if you're ready to repay your business loan earlier, we never charge a fee for that.

What's needed to get started

Construction Worker

What you need to get started

We can accept applications from all businesses (no matter the age or industry), in fact all we ask is:​

All you need to have to hand:

The document requirements may change according to the loan size and type of company

Frequently Asked Question

Here are some questions our customers ask.

We only run soft credit checks which means applying won’t affect your credit score. But if you decide to draw down funds from us, the business loan will show up on your credit report.

Yep, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your business loan early we won’t charge you any fees. (And don’t worry – you’ll never find any sneaky small print surprises with us.)

Even though we offer business loans, we’re not a bank. We’re an independent company custom-built for small businesses – and our goal is to provide straightforward access to finance where and when your business needs it.

It takes 5 minutes to apply and in almost all cases you’ll get a decision in 24 hours.

Generally, they put the money to short term investments, like extra stock. Or they use it to help with cash flow, like if they’re waiting on an invoice.

With a Flexi-Loan, once you’ve paid back a third of your original credit limit, applying for a top up is easy. We’ll just need updated information about your business.