Business finance. Simplified.

Small business credit facilities of up to £50,000. No commitments, no hidden fees, no hassle.

0800 205 5535

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Turn cash flow into a competitive advantage

Our revolving credit facilities give you access to £1,000 - £50,000 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 almost £30 million from iwoca and given us a 9.8/10 rating on TrustPilot.

Alistair Ridley - Customer Story

Application Complete

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 6 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 almost £30 million borrowed, customers have given us a 9.8/10 rating across 265 TrustPilot reviews.


"I know if I need money and can prove we’ve got customers waiting, iwoca will tell me straight."

The Vehicle Finance Network's Story


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

B&K Beauty Boutique's Story


"iwoca meant I could move forward my business plan. They really just made it all happen."

BBS Clothing's Story

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 vary, depending on your business profile, but a typical customer pays around 14% over 6 months.

£1,000.00 £50,000.00
  • 1 month
  • 2 months
  • 3 months
  • 4 months
  • 5 months
  • 6 months



Total repayment

£11,000 loan + interest: Principal repaid in equal monthly instalments. Estimate based on interest rate of 4% per month (interest paid off monthly). For business purposes only.


Interest over months

Total interest charge based on typical interest rate of 4% per month. Principal repaid in 4 equal monthly instalments. Interest paid off monthly.



No hidden fees

Questions? Speak to a real person.

Our team of dedicated account managers are ready to help. Give them a call on 0800 205 5535.

Get approved for up to £50,000 today. No fees, no commitments.



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