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About us

Thousands helped

Millions lent

5 star Trustpilot rating

We are on a mission to revolutionise business finance by providing ecommerce sellers with the flexible funding solutions they need to grow. A combination of innovative technology and expert account management allows us to lend up to £50,000 in minutes.

Since launch in March 2012 we have built a technology platform that has helped thousands of businesses purchase inventory, invest in technology and hire staff. We have seen how access to capital can bring remarkable results. Now our aim is to spread that success across the market.

How we do it

More startup than financial institution, we care about solving problems rather than following the status quo. We take an entirely new approach to assessing an ecommerce business. Rather than relying on a long trading history or perfect credit score, we pull transaction data directly from a business's selling accounts.

This trading history is combined with customer feedback scores, company information and other sources to give us thousands of data points per customer. Our systems analyse this in real-time to give an accurate, near-instant lending decision.

iwoca_team