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Get paid up front with iwocaPay

You get paid up front while your small business customers get to spread their costs over 90 days. So you can stop worrying about payments and focus on what you really care about. Sign up today and we'll contact you to check your eligibility.

How it works


Offer better terms

Give your customers a better way to pay. Include a unique PayLink in an email or an invoice to offer your customers the option to spread the cost over 90 days.


Make more sales

Customers apply in 5 minutes and can get an offer instantly, making it easier for them to manage cashflow around larger purchases.


Get paid immediately

Once your customer accepts the offer, we automatically transfer you the funds. From there, we handle your customers’ future repayments.

Why iwocaPay?


iwocaPay lets your customers spread the cost of purchases over 90 days. If they repay within the first 30 days, it’s interest free. No hidden fees, no hassles.


When your customer uses iwocaPay, we take the credit risk. So if they're late on a repayment, we'll never ask you for the cash.


Any UK Ltd company can use iwocaPay to cover invoices for up to £15,000.

More about iwocaPay

iwocaPay is a new solution, powered by iwoca. As one of the UK’s leading small business lenders, we've helped more than 50,000 small businesses get funding since 2012.

As part of our BCR public commitments, we're building iwocaPay to address the late payments problem that thousands of small businesses face every year.