Credit cards built for small business

Credit facilities of £1k- £50k with up to 56 days interest free on card purchases and no FX or ATM charges.

Running a business, you need funds in hand to be ready for anything. From the everyday orders to making your next big bet.

Running a business, you need funds in hand to be ready for anything. From the everyday orders to making your next big bet.

Card or cash? Use both

Use the card to make purchases or transfer funds to your bank account - it’s your choice. All the flexibility of a credit card with none of the strings attached

Up to 56 days interest free

Pay with your card and get up to 56 days interest free. No FX or ATM charges. No annual, set up or late payment fees

Lightning fast service

Get a virtual card to use right away, or transfer funds into your bank account when you need them. You’ll get a physical card in the mail in days.

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

Make purchases with the card or transfer funds to your account to use when and where you need.


Save on interest

Up to 56 days interest free on card purchases if you repay in full at the end of the month.

Want to know more?

Here are some questions our customers ask. If there’s anything we haven’t covered here, check our FAQ’s.

Card purchases are interest-free if you pay your balance in full every month. For card balance rolled over to the next month or for funds transferred to your account, we charge from 9.9% APR (49% APR representative)

Your monthly minimum repayment will be the greater of 10% of your closing balance or £250 (or your balance if this is less than £250). You can repay with flexible direct debit options or using a debit card

No, we don’t like fees. We don’t charge FX or ATM fees, nor setup or annual fees, or late payment fees

We only run soft credit checks which means applying won’t affect your credit score. But if you decide to draw down funds from us, the loan will show up on your credit report.

Even though we offer loans, we’re not a bank. We’re an independent company custom-built for small businesses – and our goal is to provide straightforward access to finance where and when your business needs it.

Loved by small businesses (and big names)

Customer support


Questions? Speak to a real person

Small business loans are all we do, so you'll get straight through to someone who can help, like Lisa – we're not fans of hold music. Call us from Monday to Friday (9am - 6pm). We accept applications over the phone.

Apply now

iwoca Ltd, 247 Tottenham Court Road, London, W1T 7QX

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.