Finance built for small businesses

No long waits, no rigid criteria: just a speedier, simpler way to borrow

Get approved for free

Small business loans from

£1k - £200k

Loan length up to

5 years

Funds in your account

within 24 hrs

How it works


Apply in minutes

It takes five minutes from start to finish. We're desgined 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 transfer as much as you need to your bank account; the rest stays there for the next 30 days.

Repay or top up

You can repay anytime with no fees: we only charge interest for the days you have money. If you need more after your 30-day window, it's easy to apply for a top up.

Why iwoca?


Clear prices

You'll only pay interest for the days you have your funds. No hidden fees or charges.

Real people

When you call, you'll get straight through to someone in our UK team – we don’t believe in hold music.

No paperwork

Applying for a loan with us takes five minutes. Just connect your accounts and get a decision in minutes.

Fair decisions

We know your business is more than a credit score, so we look at your overall performance when we make our decisions.

Get approved for free