Business Loans With An IVA

Get funding even if you're in an individual voluntary arrangement with Rangewell

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Funding options


Financial lifelines

  • Keep your business afloat
  • Specialist lenders
  • Competitive monthly rates
  • Refinance available

Individual arrangements

  • funding to reflect your circumstances
  • Adverse Credit – no problem
  • No Income Proof Required
  • Individual service to support you

Full range of funding

  • Most types of funding available
  • Asset funding
  • Invoice funding
  • Cashflow funding

Talk to Rangewell – the business finance experts

If you're in an IVA, you can still raise finance if you have help. Get in touch to learn more.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Business Loans With An IVA

An individual voluntary arrangement, or IVA, can provide much-needed support for managing debts. If you need further finance, however, being in an IVA heavily restricts your ability to borrow. Rangewell can help.

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If you’ve entered an IVA agreement, you’re generally in a poor financial position. However, that shouldn’t mean you can’t continue to grow a business – provided you can get the support of the right lender and the consent from your creditors. 

Being in an IVA is a difficult challenge if you need to borrow more money. You’ll already have an agreed repayment window with your creditors, and there are strict limits on how you must repay them. In an IVA, you generally need permission from your insolvency practitioner to take out any new forms of credit. In addition, you’ll need to let them know if your income changes, which may be highly inconvenient when running a business month-to-month. 

IVAs pose lots of issues for business owners. The key question is whether you can successfully maintain your business and turn a profit if you are forced to operate under such strict financial demands. Rangewell’s team can help you answer this by finding lenders who can lend to people with poor credit, including those in IVAs. 

Whether you need to raise loans to fund business growth or repay your IVA early and build your credit rating back up, contact Rangewell today.

Get finance with an IVA

Rangewell can help you get the loan you need

Can I get a business loan as an IVA customer?

IVAs place limitations on your ability to raise further loans, though if you can reach an agreement with your creditors, you will be able to approach new lenders. 

Rangewell will act as your financial expert and navigate an agreement across both your creditors and potential lenders. We’ll sharpen your business plan and help you demonstrate the best values of your business, which will help mitigate your poor credit rating. 

Get loans with an IVA

Being in an IVA is restrictive, but it shouldn’t be needlessly so – if there’s a good reason for you to raise further credit, such as to pay your suppliers to continue growing your business, getting a loan can help you maintain profitability and ultimately, be more able to repay your IVA.

Rangewell will take care of every aspect of the complex process to make raising a loan with an IVA as straightforward as it can be. Get in touch with our team today so we can talk through your options. 

IVAs don't need to stop you borrowing

Raise finance to grow your business even with poor credit

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Get our expertise behind your recovery
    Our business finance experts have experience of practical solutions to the needs of businesses in difficulties. Our expertise can often help identify new sources of funding.
  • Innovative approaches
    We take an innovative approach to funding – we can help you find new ways to raise the funds your business needs to recover.
  • Specialist funders
    We know the lenders who specialise in lending to businesses in difficulties. Because they understand the challenges and opportunities your business faces, we can help you secure the finance you need.
  • Flexible repayment terms
    Payments can be fixed for most forms of finance, making it easier for you to plan how you will deal with your commitments.
  • Any scale of funding
    There are alternative providers for all scales of funding. You can apply for a small sum with an unsecured loan, or a large, strategic loan secured on your assets.
  • Working with you for the long term
    We understand that a turnaround may demand ongoing financial support. We want to work with you for the long term, helping you find financial solutions as you need them.

Download Rangewell's free and detailed guide to borrowing with impaired credit

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