Flexible finance for construction businesses

Get a flexible facility you can draw from when you need, and repay when the money lands - so you can move forward with control and confidence.

34,000
Construction businesses funded
£
975
million in flexible finance
#
1
industry we fund the most

How construction businesses use iwoca

Stay in control between payments

With a new project, materials and labour need paying before the first payment arrives. An iwoca Flexi-Loan lets you take the job on without waiting for cash from the last one to clear. Quickly draw what you need and repay when the payment lands.

Bridge cash flow gaps

When the project’s finished and invoices sent, you need cash to start the next job, pay subcontractors, or cover overheads. A flexible facility lets you take on new projects, purchase new equipment and make payments while you wait.

Trade through quieter months

Weather the seasonal slowdowns with fewer projects and the same fixed costs. With a facility in place, you can keep your team together and business running without cutting back when demand drops.

Hear from some of our customers

Customer since 2024
Seeing the client's face after we’ve transformed their property from a house into a home is everything to me. With iwoca I felt like I was treated as a friend. I can pick up the phone whenever.”
Ray Iqbal, Founder, The Building Co.
Learn more

How does the iwoca application process work?

Loans from £1,000 to £1,000,000. Decisions in hours, not weeks.

Apply online in 5 minutes

Fast access to finance with predictable repayments and flexibility built in. Plan your borrowing and repay early without penalties to save on interest.

Get approved within 24 hours

If you’re approved, you can transfer as much as you need to your bank account. The money should hit your account within hours.

Repay early for free

You can always overpay or repay earlier for free.

Ready to take control of your financing?

Check your eligibility now and find out what you could access.