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Business funding

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Business funding

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About iwoca

iwoca is one of Europe's leading non-bank lenders. Since 2012, we've lent over £4.5 billion to 100,000 small and medium-sized businesses in the UK and Germany.

iwoca has won a number of awards, including Moneynet's best small business lender (2024) and best small business provider (2025). We've also been featured in major media outlets including The Independent, Forbes and the Financial Times.

Start accepting payments with iwocaPay

  • Trade customers split payments into 1,3 or 12 monthly instalments
  • Online and in store, on orders up to £30k
  • You get the funds instantly, every time, with no recourse
Find out more

Retail businesses

Understanding retail demand planning: avoiding stockouts and maximising sales
How to grow your online business
Cash Flow Management in Retail: Challenges and Strategies for Retailers
How to start an online business without inventory
Retail Business Loans: Accessing Finance to Boost Retail Growth
How to start a dropshipping business in the UK
E-commerce business challenges: VAT registration and pricing
How to Start an Etsy Shop: A Step-by-Step Guide for UK Entrepreneurs
Starting a retail business in the UK: understanding your year-one costs
E-commerce business challenges: going for sole trader or limited company

Finance explained

A guide to personal guarantees
Why improving the working capital cycle matters for businesses
How to reduce business costs and operate more efficiently
Business debt consolidation: how and when to pay off existing debts
Comparing the best start-up bank accounts in the UK
Working capital ratio
Working capital management advice for small businesses
From finance to freeholds: how to run a pub or bar
Benefits of an operating lease
How to build business credit
Sources of finance for UK businesses
Comparing the Best Small Business Bank Accounts in the UK

Business lenders

Metro Bank Invoice Financing: What You Need to Know
eBay Loans: Financing and Alternative Options for eBay Sellers
Shopify Loans: financing and alternative options for Shopify store owners
Understanding NatWest’s business overdrafts
Understanding Monzo business overdrafts
Amazon Lending: loans for Amazon Sellers
Nationwide Business Loans: Available Finance Solutions and Alternatives
Halifax business loans and alternative funding options
PDQ Funding And Loans: Is It Right For Your Business?
Best sources of finance for UK businesses explained

Business funding, on your terms

With iwoca, draw down as needed and repay early to save on interest. Flexible business loans with no hidden fees.

  • Applying won’t impact your credit score
  • Get an answer in 24 hours
  • Trusted by 150,000 UK businesses since 2012
  • A benefit point goes here
Get started
Learn more

Business funding

How to use payroll loans for small businesses

Accessing growth capital: how to choose the right finance for your business

Supply chain finance

Property refurbishment loans

In today’s competitive real estate market, property refurbishment has become an increasingly popular strategy for investors looking to maximise their returns. However, undertaking a renovation project can often require a significant amount of capital upfront. This is where property refurbishment loans come in to provide the necessary funding. In this article, we will explore everything you need to know about these loans and how they can help turn your property investment dreams into a reality.

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Sources of finance for UK businesses

Starting or growing a business requires significant capital, but how do you choose the right funding approach? Explore the various sources of finance for UK businesses, including their pros, cons and key use cases in our handy guide.

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Government grants for small business in the UK

Small businesses play a crucial role in driving economic growth and innovation in the United Kingdom. However, starting and running a small business can be financially challenging, especially during the early stages. To assist these aspiring entrepreneurs, the UK government offers various grants specifically designed for small businesses. In this article, we will explore the different types of government grants available, the eligibility criteria, and how to apply for them.

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Crowdfunding for small businesses owners

Is crowdfunding the way to go for your business? What are the pros and cons? We explore these and many other questions in our guide to crowdfunding for business.

Read more

Business hire purchase: everything you need to know

Exploring the ins and outs of business hire purchase agreements, how they work and the pros and cons of this form of asset finance.

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Asset finance and the different types of asset finance

Get to know the various forms of asset finance, the pros and cons and alternatives to consider for your business asset and equipment needs.

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Comparing the Best Small Business Bank Accounts in the UK

We’ve compared some of the best business bank accounts for SMEs in the UK. See their key features, costs and suitability considerations to help you choose the right option for your business.

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Vendor finance and vendor loans explained

If you need to purchase essential goods for your business but don’t have the capital to do so, then you may want to consider taking out a vendor finance agreement with your supplier.

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What is Peer-to-Peer Lending and Why Do Businesses Use It?

Understanding the value of peer-to-peer lending as an alternative method of securing business funding, how it works and the risks to consider.

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Franchise finance and franchise loans explained

Franchising is a means of starting and running your own business, with a proven format to operate by. It can also come with continuing support to help you along the way.

Read more

Merchant Cash Advances Explained

Learn how merchant cash advances work, what kind of businesses use them and the pros and cons of this revenue-based funding solution.

Read more

Borrow £1,000 - £1,000,000 to buy new stock, invest in growth plans or just keep your cash flow smooth.

  • Applying won’t impact your credit score
  • Get an answer in 24 hours
  • Trusted by 150,000 UK businesses since 2012
  • A benefit point goes here
Get started
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