Business finance for the moments that matter

Every business faces moments where funding can make all the difference. Whether you're navigating a tight spot or investing in what's next, we provide fast, flexible finance that helps you stay in control.

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Join the 100,000 UK businesses funded by iwoca
Over £4.5 billion lent to UK businesses

How we’re helping UK SMEs make their mark

Trading confidently through all seasons

Even during quieter periods, we help The Building Co keep their construction business moving.

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Supporting business through uncertain periods

When conditions shifted, we helped Guy Walker keep his recruitment business steady and resilient.

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Managing the gap between work and payment

Slow payments don’t stop CQD from growing, thanks to short-term finance from iwoca.

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How do our SME customers use our finance?

We've funded 100,000 SMEs looking for business finance, helping them act fast when it matters most. Because when a moment arrives, you shouldn’t have to put your business on hold.

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Cover cash flow gaps and keep your business moving

Whether you’re waiting on a late payment, managing upfront costs or handling a run of large costs, you can use our facility to maintain momentum and keep your cash flow resilient.

Don’t let unexpected costs stop you in your tracks

When broken down equipment, larger-than-planned tax bills or even a quiet spell risk business as usual, our finance gives you the breathing room you need to keep things moving without missing a beat.

Fund the next big growth opportunity with confidence

When cash flow is tight, taking the next big step can feel out of reach. Whether it’s a large stock order, new equipment, or scaling up operations, iwoca provides the  capital you needto act on your plans,  giving you confidence to invest in growth.

Cash flow positivity: How UK SMEs are building resilience

Cash flow pressure is part of running a business. This report, based on a survey of 1,005 UK business owners, shows what financial resilience actually looks like to SMEs today.

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Join 100,000 UK SMEs funded by iwoca

  • Borrow £1,000 - £1m
  • 24 hours to get a decision
  • Repay early with no fees
See how much you could borrow