Business finance to accelerate growth

Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.

  • No early repayment fees
  • Top ups available
  • Dedicated Account Manager
  • Money in your account in as quick as 2 minutes 37 seconds (our record)!

Applying for business finance won't affect your credit score

Why do businesses need finance?

There are several reasons why companies use business finance. We listed some of the main purposes below, or – why not give us a call to discuss your business finance needs? That way you’ll get through to real people with real answers! Our number is 020 3778 0361.

You might be waiting on money to come in from a sale, but need some finance to keep the business running smoothly until it does.

Read our article on cash flow management for more.

You could take out finance to make a business investment, such as buying a vehicle or a truck.

Turning several debts – such as a loan and a credit card – into a single debt, with the goal of saving money and making the debt easier to manage.

Check out our article on how to consolidate and refinance debt.

You might want to explore business finance options if you want to make changes to your business property.

Buying anything from stock to equipment to property.

Have a look at our article about asset finance and the different types of asset finance to learn more

What business financing is right for you?

What business financing is right for you?

If you’re looking to manage cash flow, grow or invest in the future, business finance might be right for you. It comes in all shapes and sizes: we have different business finance options to suit different businesses. Pick one below that works best for you, or call us on 020 3778 0361 and we can help you decide.

Revenue Based Loan

Our Revenue based loan is perfect for any business that takes card payments. Monthly repayments based on your revenue: if your sales slow down, you’ll pay less.


Our Flexi-loan is designed to help you manage cash flow, borrow from 1 day to 24 months in an instant. Repay at your earliest convenience.


Sell more and get your invoices paid sooner with iwocaPay.

How does business finance work at iwoca


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 finance product – 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.

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

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

Pay in three!

Benefit from our flexible payments that work for you and your business, so you're always in control.

Easy application

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

Purchasing power!

Say goodbye to cash flow issues.From bulk discounts to new projects, you'll never miss an opportunity again.

Why choose iwoca business finance


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.


Borrow when you need it

With iwoca business finance you pay interest only for each day you have the funds.


Flexible and fast

Speedy decisions: 2 minutes 37 seconds is our record from signing up to money in your account.

Loved by small businesses (and big names)

Business Finance FAQs

There are lots of options when it comes to business finance. Here are some of the common questions we get asked.

Yes. There are many ways to get finance to buy a new business. The best option will depend on whether you have business experience. If you already own a business, and can show a good business background, it’ll be much easier to get business finance. Applying for business finance to buy a business without any experience can be tricky or lead to very high interest rates. Lenders will base their decision on your personal credit score and on the business you want to acquire.

If you’re finding it hard to get business finance to buy a business, you should consider Small Business Administration (SBA) loans. The SBA partners with participating SBA-approved banks, credit unions, community development organisations, nonprofits, and other lenders to provide long term, low-cost, government-backed loans ranging from to small businesses.

There are lots of different ways! Read about them below, or feel free to call us on xx to discuss what iwoca offers to sort your business finance needs and help you scale your business.

Small business loans; Flexi-Loan; Revenue Based Loan; Invoice financing; Invoice discounting; Asset finance; Business overdraft; Business credit cards; Commercial mortgages; Crowdfunding; Peer-to-peer lending; Franchise finance; Hire purchase; Vendor finance; Small business grants; Bridging loans

We don’t offer specific business car finance, but lots of our customers use our business loans to buy their vehicles. You can then spread the cost over a period of time, and can always pay back early if you wish! If you want to find out specifically about vehicle finance, including business van finance options, read our article on truck finance.

You can apply online with us in 5 minutes (or call us on 020 3397 3375 if you’d prefer to do it over the phone). You’ll get a decision in 24 hours (or much sooner, depending on which business loan you apply for).

This depends on the business finance provider. With iwoca, you’ll get a decision in 24 hours (or sooner, depending on which product you go for – try our Lightning Loan if you’d like an instant decision!).

When you're a small business you need to move fast. Dealing with banks is a long process. Dealing with iwoca was definitely a lot more efficient.

When you're a small business you need to move fast. Dealing with banks is a long process. Dealing with iwoca was definitely a lot more efficient.

Ian - Champs Barbers

Customer support


We're here to help

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.

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.