Business finance. Simplified.

Small business credit facilities of up to £100,000. No commitments, no hidden fees, no hassle.

Turn cash flow into a competitive advantage

Our revolving credit facilities give you access to £1,000 - £100,000 on demand.

Fair Decisions

Award-winning technology allows us to make a decision based on your real business performance.

Lightning Fast

Apply in minutes and have the funds in your bank account within hours. We move as fast as your business.

Unrivalled Flexibility

Repay as soon as you like or top up during the life of your loan. You only pay interest for each day you have the funds.

Outstanding Service

Thousands of businesses have borrowed over £170 million from iwoca and given us a 9.6/10 rating on TrustPilot.

How iwoca is helping Brew Lab bring great coffee to Scotland

Simple yet flexible

Sign up in minutes

It’s completely free to sign up and there are no commitments. We just need some basic details in order to verify your business.

Get approved

Credit limits are based on your business performance - we can typically lend up to one month’s revenue, or up to £10,000 for a startup business.

Take the funds

Draw down as much as you need, when you're ready. Most businesses use iwoca to manage cash flow gaps, buy stock or make investments.

Repay or top up

Keep the funds for 12 months or repay early to save interest. You can also top up to your credit limit (subject to approval).

Learn more in our FAQs

Trusted by thousands of small businesses

With over £170 million borrowed, customers have given us a 9.6/10 rating across 1,265 TrustPilot reviews.

"Very useful, fast and responsive. We were able to apply and draw down our funds within two days."

Brew Lab Coffee's Story

"The application process was so easy, and the response I got was incredibly quick."

B&K Beauty Boutique's Story

"Exceptionally helpful and very clear on all criteria. iwoca have helped our business immensely."

Clear, transparent pricing

We like to keep things simple. Interest is charged daily on outstanding balances, with no other fees and no long-term commitments. Rates start at just 2% per month, depending on your business profile.

Supported by the EU: iwoca provides financing that benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020). The Loan Guarantee Facility is managed and implemented by the European Investment Fund (EIF). Learn more