Business finance. Simplified.

Borrow £1,000 - £200,000 for cash flow, stock or investments. Fast and fair decisions.Get approved for free
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Turn cash flow into a competitive advantage

Our revolving credit facilities give you access to £1,000 - £200,000 on demand.

Fair Decisions

Award-winning technology allows us to make a decision based on your business performance, not just a credit score.

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 £500 million from iwoca and given us a 9.6/10 rating on Trustpilot.

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

Learn more in our FAQs Learn more in our FAQs

Trusted by tens of thousands of small businesses

With over £500 million borrowed, customers have given us a 9.6/10 rating across 2,940 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 was so easy, and the response I got was incredibly quick."

B&K Beauty Boutique's story

"A loan from iwoca took one day! Really good service, polite, friendly, and efficient."

The Change Group

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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.

1 month12 months
MonthOriginal LoanInterestMonthly repayment
Total repayment£10,000£833£10,833
Get approved for a quotation in minutes

Representative example: Borrow £10,000 for 12 months at 49% representative APR. Interest rate of 40% p.a. (fixed). Total amount repayable is £12,165. Actual rate may vary based on circumstances.

Looking to borrow for longer? Try our Business Loan

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

Questions? Speak to a real person

Our team of dedicated account managers are ready to help. Give them a call on 020 3397 3375.

Get approved for up to £200,000 today. No hidden fees, no commitments.

Sign up for free