We partner with financial brokers.

Offer your SME clients up to £250,000 of credit through iwoca. It's fast, simple and flexible.

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Why partner with iwoca?

Fair Decisions

Award-winning technology allows us to make fairer lending decisions and offer credit to more of your clients.

Lightning Fast

Submit applications in minutes and get decisions within hours. Commissions are paid instantly upon funding.

Online Dashboard

Your personal dashboard allows you to submit new applications and track the progress of existing applications.

The UK's #1 Provider

Verified customers have rated us 9.6/10 on TrustPilot, which makes us their top-rated business lender.

How iwoca is helping Brew Lab bring great coffee to Scotland

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How it works


Sign up as an approved broker

Signing up takes less than 5 minutes and gives you access to a personal dashboard where you can submit and track applications.


Submit an application in minutes

Our simple process recommends which documents (such as bank statements or VAT returns) to submit based on the client’s profile.


Get a decision within hours

We can usually make a decision within hours. We will let you know as soon as possible if we need additional information to put an offer in place.


Funds transferred to the client

Your client can choose when to withdraw funds, how much to borrow, and can choose to repay early if they wish.


Commission paid

We offer a competitive structure with commissions paid out when a client is funded.

Trusted by thousands of small businesses

With iwoca, you have the security of knowing that clients have given us a 9.6/10 rating on TrustPilot.

Choose the right option for your client

Our two products serve a broad range of needs, from cash flow to investments. If your client isn't eligible for the product you choose, we'll automatically try to approve them for the other product to save you submitting multiple applications.


Borrow £1,000 - £200,000 for 1 day - 12 months

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Manage day-to-day cash flow

Borrow £1,000 - £200,000 for 1 day - 12 months

Draw down as required to buy stock, pay bills and make short-term investments

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Interest charged by the day

Your client can keep the funds for up to 12 months or repay early with no fees or penalties.

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Rates from 2% per month

We expect over half of businesses that get approved for a Flexi-Loan to get a rate of 49% APR or lower. That's just £1.11 per day for each £1,000 borrowed.

Representative example:

  • Borrow: £5,000 for 12 months
  • Interest rate: 39.9% p.a. (variable)
  • Fees: None
  • Total amount repayable: £6082.25

If your client is borrowing for a short period, a Flexi-Loan may be cheaper since there are no fees, just a simple interest rate (see Flexi-Loan pricing)

Small Business Loan

Borrow £25,000 - £250,000 for up to 5 years

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Designed for growth investments

Borrow £25,000 - £250,000 for up to 5 years

Spread the cost of a long-term investment or a large, one-off purchase (e.g. a piece of machinery)

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Spread the cost up to 5 years

Your client will just have to make a simple monthly repayment, taken automatically by debit card

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Representative interest rate of 18.6% per annum

We expect over half of businesses that get approved for a Small Business Loan to get a rate of 18.6% APR or lower.

Representative example:

  • Borrow: £50,000 for 60 months
  • Interest rate: 14.4% p.a. (variable)
  • Fees: 6% set-up fee
  • Total repayable: £74,881.80

Our cheapest way of borrowing if your client needs funds for more than a year. There’s a 6% upfront fee but ongoing rates are low (see business loan pricing)

Questions? Speak to our team

Give us a call on 020 3434 3481 or email brokers@iwoca.co.uk .

Sign up as an approved broker and start submitting applications today.




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