Finance for businesses and the self-employed

Building a business is one of the hardest yet most satisfying processes of your working life: the plans, the stress, the construction work (especially the construction work), the stock, the furniture... Don't despair, we'll help you with the furniture and accessories through our business finance plans. Leave your customers speechless every time they visit.

Spread out the payments over up to 10 months, 0% APR*

From 1 February to 1 March 2025, as an IKEA Business Network member, you can finance your purchase over up to 10 months interest free 0% APR*

Finance furniture purchases for your business
Purchases up to EUR 10,000
Pay over a period of 3, 6 or 10 months
Your loan in monthly instalments interest free 0% APR^(*)

Please see the terms and conditions

How do I get started?

Use our calculator to find out what finance you could be eligible for*
Check the necessary documentation here
Contact us by phone or in your preferred IKEA store to complete your finance application

*Subject to the review and approval of Santander Consumer Finance S.A.

Calculate your monthly instalments here

We make things easy for you with our services

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Free planning service for your business

We help you get the most out of any room at your company while considering your tastes and needs.

Interior design service for your business

We have various interior design services – book an appointment and we'll let you know which one best suits your needs

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Give a gift card

The best way to earn customers' loyalty or reward your team's efforts. You'll get it by email instantly! For amounts over EUR 500, contact us at [email protected]

Documentation required for Deferred Payment or Finance

Documentation for self-employed:

DNI (Documento Nacional de Identidad – Spanish national identity card)
Personal income tax return (form 100) or annual summary of VAT (form 390)
Direct debit bank account details (official document)

Documentation for SMEs:

Company registration document: CIF (Certificado de Identificación Fiscal – Tax ID number)
Articles of incorporation and powers of attorney
ID document of the representative(s): DNI (Documento Nacional de Identidad – Spanish national identity card)
Last corporate tax return (form 200)
Balance sheet and income statement
Last VAT returns filed (monthly, quarterly or yearly)
Direct debit bank account details (official document)

(1.) Example of financing for EUR 10,000. Minimum amount to be financed €3,000. Maximum amount to be financed €20,000. Cash price €10,000.00. Term 10 months, 10 installments of €1,000.00 Fixed interest rate 0.00%, APR 0.00%. Arrangement fee €0.00. Interest subsidized by IKEA IBERICA. Total credit amount €10,000.00, total credit cost €0.00, total amount owed €10,000.00. Total price in installments €10,000.00. The contract date is 10/02/2025 and the first payment is on 11/02/2025. Offer valid until 12/31/2025. French amortisation system. Finance subject to checks and approval by Santander Consumer Finance, S.A.