Business finance. Simplified.

Borrow £1,000 - £200,000 for cash flow, stock or investments. Fast and fair decisions.

Get approved for free

Turn cash flow into a competitive advantage

Get access to £1,000 - £200,000 on demand.

Fair Decisions

Award-winning technology allows us to make a decision based on your business performance, not just a credit score.

Lightning Fast

Apply in minutes and have the funds in your bank account within hours. We move as fast as your business.

Unrivalled Flexibility

Repay as soon as you like or top up during the life of your loan. You only pay interest for each day you have the funds.

Outstanding Service

Thousands of businesses have borrowed over £900 million from iwoca and given us a 4.8/5 rating on Trustpilot.

How we're helping Brew Lab bring great coffee to Scotland

Simple yet flexible

Sign up in minutes

It’s completely free to sign up and there are no commitments. We just need some basic details in order to verify your business.

Get approved

Credit limits are based on your business performance - we can typically lend up to one month’s revenue, or up to £10,000 for a startup business.

Take the funds

Draw down as much as you need, when you're ready. Most businesses use iwoca to manage cash flow gaps, buy stock or make investments.

Repay or top up

Keep the funds for 12 months or repay early to save interest. You can also top up, up to your credit limit (subject to approval). Learn more in our FAQs

Trusted by tens of thousands of small businesses

With over £900 million borrowed, customers have given us a 4.8/5 rating across 3,729 TrustPilot reviews.

"With iwoca, we could keep investing in kit, equipment and a new facility. So we could keep our standards high. "Tracy Sambrook's story

"What I like about iwoca is the quick turnaround. It gives you a sense of security."Jonathan Hamp's story

"The human touch was nice. I could speak to my account manager Kenny – he was interested in the business, not just the numbers."Tevye Seadon's story

We keep our pricing simple

We’ll only charge interest on your outstanding balance – no hidden fees, no long-term commitments. Our rates start at 2% a month, depending on your business.

£1,000£200,000

1 month12 months

Month	Original loan	Interest	Monthly repayment
1	£2,379	£333	£2,712
2	£2,458	£254	£2,712
3	£2,540	£172	£2,712
4	£2,624	£87	£2,712
Total borrowed	£10,000	£846	£10,846

Check your eligibility

This loan calculator is only an example, your actual rate 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.

Looking to borrow for longer? Try our Business Loan

Supported by the EU: iwoca provides financing that benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020). The Loan Guarantee Facility is managed and implemented by the European Investment Fund (EIF). Learn more about the EIF

Questions? Speak to a real person

Our team of dedicated account managers are ready to help. Give them a call on 020 3397 3375.