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Get paid up front.

Help your customers pay later.

Get paid up front
Remove the hassle of chasing invoices. You get paid up front and we’ll never ask you for the cash.
Offer flexible payments
Give your small business customers the option to pay when it works for them, without taking on credit risk.
Get more business
Boost your sales by increasing your product’s affordability, and your customer’s spending power.

How iwocaPay fits into your sales process


Offer customers 90 days to pay

Make closing easier by giving your customers the flexibility to pay in 30 days for free, or to spread the cost over 90 days.


Check eligibility instantly

You and your customer can check their eligibility for iwocaPay in less than 5 minutes. No paperwork needed.


You get paid up front for up to £15,000

When your customer chooses iwocaPay, we’ll pay you in full and instantly for invoices between £150 and £15,000. And we’ll never ask you for the cash, so it’s risk-free.

Give customers more than just payment terms

iwocaPay lets your customers choose when they pay an invoice, without the hassle of negotiation. They can manage their finances and make large purchases more affordable, without impacting your cashflow or you worrying about their creditworthiness.

When your customers pay with iwocaPay, they can:

  • Pay in 30 days for free
  • Spread the cost over 90 days
  • Make payments at any time
  • Check eligibility in minutes

The best part is that when customers opt to use iwocaPay, it’s risk-free for you. With iwocaPay, there’s no more late payments, no more chasing, no more hassle.

Built for small business

Our mission is to make payment terms hassle-free, by helping small businesses stay in business. Read our report on how fairer payment terms can help SMEs.

Our solution is powered by iwoca, the UK’s leading SME finance provider with 56,000 customers (and counting).

Make getting paid easier

Stop worrying about payments and get back to what you really care about: running your business.

iwoca Ltd, 247 Tottenham Court Road, London, W1T 7QX

iwoca Limited is authorised and regulated by the Financial Conduct Authority (reference number: 723378) in relation to regulated credit agreements and are a registered account information service provider (reference number: 791804). We're also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: Z3007540). iwoca Limited is incorporated in England and Wales (company number: 07798925). Our registered office is 10 Queen Street Place, London, EC4R 1AG.