Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.
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The payment solution for B2B businesses who want to help their customers to spend more.
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Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.
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Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.
Optional content caption goes here
Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.
Borrow £1,000 - £500,000 for 1 day to 2 years. Bridge gaps, grab opportunities or just keep cash flow smooth using business finance.
Applying won’t affect your credit score
Need help? Call us:
Finance should feel like a superpower, not a headache. That’s why we created iwoca.
Customers and counting
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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.
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Call us at 020 3397 3375 from Monday to Friday (9am - 6pm). We can take your business loan application over the phone, or answer your questions about applying online.
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For B2B businesses who want to get paid instantly while offering flexible payment terms.
For trade customers who want to increase their purchasing power while keeping control of their cashflow.
For trade customers who want to increase their purchasing power while keeping control of their cashflow.
Research, case studies and practical tips to help you unlock the power of payment terms.
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We are loving iwocaPay! Giving our customers the ability to spread their investment over 3 months whilst receiving all the money upfront AND not having to deal with chasing payments, invoices etc means it has already saved us hours of time and even helped us close sales.
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We are loving iwocaPay! Giving our customers the ability to spread their investment over 3 months whilst receiving all the money upfront AND not having to deal with chasing payments, invoices etc means it has already saved us hours of time and even helped us close sales.
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We are loving iwocaPay! Giving our customers the ability to spread their investment over 3 months whilst receiving all the money upfront AND not having to deal with chasing payments, invoices etc means it has already saved us hours of time and even helped us close sales.
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Comparing the pros and cons of getting a business loan from traditional lenders and alternative finance providers, including how they differ in application processes, speed of funding, rates and flexibility.
Discussing the importance of calculating your company’s working capital ratio, what it represents and how to improve the ratio.
Comparing the pros and cons of getting a business loan from traditional lenders and alternative finance providers, including how they differ in application processes, speed of funding, rates and flexibility.
Discussing the importance of calculating your company’s working capital ratio, what it represents and how to improve the ratio.
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Read the latest news about iwoca and small businesses
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There are a lot of options out there when it comes to business finance. Here are some of the common questions we get asked
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Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Headings, paragraphs, blockquotes, figures, images, and figure captions can all be styled after a class is added to the rich text element using the "When inside of" nested selector system.
Here are some questions our customers ask. If there’s anything we haven’t covered here, take a look at our FAQ
Usually our recruitment process starts with a phone screen with someone from our Talent team. The next steps are an interview with your hiring manager and a task specific to your role, like a coding challenge. Then a final interview and hopefully an offer.
Yes, we have a sponsorship licence. Not every role will be suitable for sponsorship as per Home Office regulations but we are more than happy to discuss that with you.
We manage most of our hiring directly and when we work with agencies we have preferred supplier list.
We don't have a formal graduate scheme but many of our roles are a great fit for people just starting out in their careers. We also hire for interns across the business throughout the year. Details of each role are listed with the rest of our open roles.
Email us at talent@iwoca.co.uk with your CV and an overview of the type of role you’re looking for. We’ll reach out to you should any role come available.</p>
All organisations with more than 250 employees are required to report their ‘Gender Pay Gap’. We employed more than 250 employees on 5th April 2020, this is the first year in which we are publishing our data.
On 5th April 2020, we had 261 employees based in London of which 69% were Male and 31% Female. Here are our results:
when given the option to Buy Now Pay Later
by offering an online payment option
as soon as customers check out you get the funds
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small business funding
businesses funded
Our Revenue Based Loan is perfect for any business that take 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 mangae 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.
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Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Any small print copy can go here if needed spread across 8 columns. This can run onlto mu;ltiple lines, includes text links as well and generally isn’t information that’s important to the narrative but more required for compliance purposes.
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.
We’ve designed our application process to be as slick as possible: link your bank account and get going in minutes.
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.
Your business needs to have been trading for at least the last 6 months.
You need to be generating at least £500 of monthly sales combined through card and online purchases.
We're a team of account managers and adventurers, developers and dog lovers, researchers and rock climbers who are all working to expand possibilities for small businesses.
That's why we built our own lightning-fast lending software. It’s why we were the first lender to use open banking. And it’s why we're constantly developing new products to help small businesses open doors to big opportunities.
"iwoca is the kind of place where you can take on as many opportunities as you want.
In the past two years I've learned how to lead a team, built a CRM system, and upped my pool game."
Olivia Denyer - Product Manager
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year, we've grown our team by almost 30%, grown our loan book by over 50%, and approved more than 100,000 customers across the UK and Germany.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year we’ve grown our team by 40%, closed a £150 million funding round, and won a £10 million public grant. Next, we’ve promised to make £5 billion in finance available over the next four years and launch three new innovative products.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year we’ve grown our team by 40%, closed a £150 million funding round, and won a £10 million public grant. Next, we’ve promised to make £5 billion in finance available over the next four years and launch three new innovative products.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We want small business owners to spend less time on paperwork and more time running their businesses.
When small businesses go to their banks for finance they face long waits, endless forms and absurdly rigid criteria.
That means most of the UK's 5.5 million small business owners spend more time than they need to checking boxes and filling out forms.
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year we’ve grown our team by 40%, closed a £150 million funding round, and won a £10 million public grant. Next, we’ve promised to make £5 billion in finance available over the next four years and launch three new innovative products.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year we’ve grown our team by 40%, closed a £150 million funding round, and won a £10 million public grant. Next, we’ve promised to make £5 billion in finance available over the next four years and launch three new innovative products.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We're not a small start up anymore, but we haven't slowed down. Our mission is to fund one million small businesses.
In the past year we’ve grown our team by 40%, closed a £150 million funding round, and won a £10 million public grant. Next, we’ve promised to make £5 billion in finance available over the next four years and launch three new innovative products.
So we're looking for new team members (we call them iwocans) who can spot opportunities, think creatively and take on challenges - including some we've never tackled before.
We're a mix of developers, account managers, dog lovers, climbers and explorers.
But we’re all working to make finance more accessible to Europe’s small businesses.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
text reg - Set the borrow amount, and the percentage of sales that you wish to repay each month. You’re in control.
text reg - Set the borrow amount, and the percentage of sales that you wish to repay each month. You’re in control.
text reg - Set the borrow amount, and the percentage of sales that you wish to repay each month. You’re in control.
text reg - Set the borrow amount, and the percentage of sales that you wish to repay each month. You’re in control.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
With iwoca business finance you pay interest only for each day you have the funds.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
With iwoca business finance you pay interest only for each day you have the funds.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
With iwoca business finance you pay interest only for each day you have the funds.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
With iwoca business finance you pay interest only for each day you have the funds.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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.
text reg - We use the information from each month’s statements to calculate the repayment amount based on your chosen repayment percentage.
With iwoca business finance you pay interest only for each day you have the funds.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
It takes five minutes from start to finish. We’re designed with small businesses in min, so we’ll just need the basics about your business to make a decision.
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Subcopy goes here and is supportive to the title. It spans over 8 columns and has a max character count of 250. This area sets up the narrative for the list the user is about to digest.
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Our Revenue Based Loan is perfect for any business that take 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 mangae 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.
Any small print copy can go here if needed spread across 8 columns. This can run onlto mu;ltiple lines, includes text links as well and generally isn’t information that’s important to the narrative but more required for compliance purposes.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Subtext about the ppint goes here and can go onto up to 4 lines ideally. This is around 175 characters in length. The Tallest item is taken as the overall height for the row.
Any small print copy can go here if needed spread across 8 columns. This can run onlto mu;ltiple lines, includes text links as well and generally isn’t information that’s important to the narrative but more required for compliance purposes.
Subcopy goes here and is supportive to the title. It spans over 8 columns and has a max character count of 250. This area sets up the narrative for the list the user is about to digest.
Any small print copy can go here if needed spread across 8 columns. This can run onlto mu;ltiple lines, includes text links as well and generally isn’t information that’s important to the narrative but more required for compliance purposes.
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