Slope instant business credit
Buy Now, Pay Later—Built for Business
IKEA has partnered with Slope to offer buy now, pay later options for your business purchases. Get up to $150K in instant credit with Net 30 or 60 day terms -- 0% interest.
Who can apply?
- US businesses with an EIN or US Sole Proprietorships with an SSN
- Be in business for at least 1 year
- $85K+ in annual revenue
For businesses with less than $5M in annual revenue, a personal guarantee from a business owner or control person is required.
Enjoy the benefits
Big purchases, better flow
With Slope, you get what you need now and pay later without tying up your budget.
Finance that works like you do
Flexible terms and fast approvals help you plan ahead and keep moving.
Spend smart, stress less
0% financing means more breathing room for your business.
Pay back your way
Flexible payment options that work with your business.
10% back for your business? Don't mind if we do.
IKEA is partnered with Slope to offer up to $150k in instant credit with Net 30 or 60 day terms, interest free* In addition, pre-approved customers can apply for Net Terms with Slope between 5/21 - 8/21 and get a 10% statement credit on your first purchase using your virtual Mastercard®.
How it works
1. Apply online
With a quick and easy application, you can start shopping on your own terms in 5 simple steps.
Apply now2. Get approved
Most credit decisions are made in seconds. Get up to $150k in instant credit.
3. Activate your virtual card
Once approved start shopping with your available funds right away—no waiting, just grab what you need and go.
4. Shop at IKEA
Explore our full range of products and services designed to meet your every need and use Slope to finance your purchase.
5. Pay over time
Choose the payment plan that fits your needs— 30 or 60 day terms —so you can manage your budget with ease and enjoy interest-free flexibility.
Slope offer
*For IKEA Business Slope invoice to pay customers, get a one-time statement credit of 10% (up to $500) of your IKEA purchase made with your Slope Debit Card. Offer expires 8/21/25. Offer valid in-store at participating IKEA U.S. stores, online at IKEA.com or via a phone purchase with a U.S. IKEA location. Not valid on gift card purchases. To apply for a Slope Debit Card, visit slopepay.com/ikea. Offer is non-transferable. Offer valid one time only and only for the first purchase to post on your account. Note that Lead Bank may not receive information about your qualifying purchase from IKEA until all items from your qualifying purchase have been shipped/provided by IKEA. Your statement credit should appear on your account within 14 days after the qualifying transaction posts to your statement. Discount applied proportionally across items purchased, as shown on receipt. On returns/cancellations, only the net purchase price as shown on receipt is refunded. See store and slopepay.com/ikea for complete terms and limitations. Slope is a 3rd party invoice to pay provider. Slope is not a bank. Business-purpose loans made by Lead Bank and subject to credit approval. Application and personal guarantee may be required. Subject to minimum revenue and business requirements. Fees vary based on loan amount. Repayment terms are based on eligibility. Slope Debit Card is a prepaid card issued by Lead Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Visit slopepay.com for more info.
*Eligibility not guaranteed. Slope is a financial technology company, not a bank. Business-purpose loans are originated by Lead Bank and subject to credit approval. Application and consent to obtain personal credit report is required. Subject to minimum revenue and business requirements. Personal Guaranty may be required. Fees vary based on risk assessment and loan term.