About iwoca

We believe capital powers growth. That is why we are building a faster, fairer finance for Europe's small businesses.

Finish my application Log out

Our story

iwoca offers flexible credit to small businesses across Europe, allowing them to take advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, finance helps power our customer's growth.

We launched iwoca in 2012 and have already grown into one of Europe's leading fintech lenders. More startup than financial institution, we use technology to eliminate the cost and complexity associated with traditional business finance. That means we offer instant decisions and have no upfront fees, no lengthy forms and no long-term commitments.

Most importantly technology has allowed us to build a revolutionary risk model that understands any small business based on its trading data. Take an online retailer for example - analysing customer feedback scores, seasonal trends and profit margins helps us to predict the company's future health. In fact we look at thousands of data points for every applicant to make fair lending decisions, instantly.

Meet the founders

Christoph and James launched iwoca in March 2012. They were looking for a challenge and saw the business finance space as ripe for disruption. Since then iwoca has grown to a team of seventy, based in central London.

Christoph Rieche

Christoph Rieche CEO and co-founder

As CEO and co-founder, Christoph oversees the day-to-day operations, finance and strategy for iwoca, always with an eye on the long-term vision.

After bagging a degree in Management from HEC Lausanne and the London School of Economics, Chris went on to become a VP at Goldman Sachs where he advised corporate and institutional investors on risk management.

James Dear

James Dear CTO and co-founder

As CTO and co-founder, James is responsible for technology and risk. He figures out the clever stuff in the background.

James has a BSc in Theoretical Physics from Imperial College and a PhD in Theoretical Physics and Applied Probability from Kings College London.

Prior to co-founding iwoca, James was a VP at Deutsche Bank where he worked as a quantitative trader in structured credit.

Brand assets

Our name

iwoca stands for instant working capital. The correct way to write iwoca is all lowercase, even at the start of a sentence. It should never be written IWOCA, iWoca, Iwoca or even iWoCa.

Our logo

Where possible you should use the two-colour version of our logo against a light background. You may choose whether to use the version with or without a tagline depending on context. Generally you should use the version with a tagline in contexts where people are not familiar with iwoca. We also have a partner logo, which should only be used by official partners, and a single-colour version of our logo which may be used against dark backgrounds.

Download our logo with a tagline

Download our partner logo

Download our logo without a tagline

Download our single colour logo



Christoph Rieche
CEO and co-founder


James Dear
CTO and co-founder


Christoph and James
iwoca founders


The iwoca team

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



Log in

Reset your password


Enter your email and we'll send you a link to reset your password.

We've sent you an email with a link to reset your password.
Contact us if you don't receive this within the next few minutes.


Get in touch

Thank you, we'll be in touch soon.