Business loans built for bars and restaurants

Buying ingredients, covering a bill or spending on new kit for the kitchen: cashflow can keep your food or drink business in sync. Our Flexi-Loan might be able to help.

  • Borrow from £1,000 to £500,000
  • Repay early with no fees
  • Decisions in 1 working day
  • Have help on hand with a dedicated account manager

Applying won't affect your credit score

Because we’re designed specifically for small businesses, our small business loans work like you do: they’re fast and faff-free.

Because we’re designed specifically for small businesses, our small business loans work like you do: they’re fast and hassle-free.

No early repayment fees

If you want to repay early that’s great. We’ll never charge a fee for that. In fact, more than 20% of our customers repay ahead of schedule in their first six months.

Easy application

We’ve designed our application process to be as slick as possible: link your bank account and get going in minutes.

No hanging around

Once you’re approved, we’ll ping the money straight to your account. And if you need more later, you can apply for a top-up.

How it works


Apply in minutes

It takes five minutes from start to finish. We're designed with small businesses in mind, so we'll just need the basics about your business to make a decision.


Use your funds

We'll approve you based on your business performance. You then transfer as much as you need to your bank account, and the funds will typically be in your account in hours.


Repay or top up

We don't charge early repayment fees: we only charge interest for the days you have the money. If you need more funds, applying for a top up is easy. As your business grows your credit limit will too.

We keep our prices simple

Simple Pricing

We’ll only charge interest on your outstanding balance for the days you’re using your business loan – no hidden fees, no long-term commitments. Our business loan rates start at 2% a month for a Flexi-Loan, depending on your business.

6 monthly repayments of £18,662

Total repayment of £111,973(3.33% interest rate per 30 days)

Borrow up to £500,000

For up to 12 months

Need help? call us

This loan calculator is only an example, your actual rate for your business loan will vary based on your circumstances. Here’s another example: if you borrowed £10,000 for 12 months at 49% representative APR, with an interest rate of 40% p.a. (variable), then, all in all, the total amount you’d repay would be £12,294.

Loved by small businesses (and big names)

iwoca Ltd, 101 New Cavendish St, London W1W 6XH

iwoca Limited is authorised and regulated by the Financial Conduct Authority (reference number: 723378) in relation to regulated credit agreements and are a registered account information service provider (reference number: 791804). We're also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: Z3007540). iwoca Limited is incorporated in England and Wales (company number: 07798925). Our registered office is 10 Queen Street Place, London, EC4R 1AG.