Our partners

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Royal Bank of Scotland

We have been selected by Royal Bank of Scotland and NatWest to sit on their select panel of alternative lenders, known as Capital Connections. We work closely with their relationship managers nationwide who refer customers to us where the bank is not able to serve them directly.


We are fully integrated into Tide, the next generation business banking app. The integration means that Tide customers can apply to iwoca, get a decision in seconds and draw down funds without ever leaving the Tide app. It's built on top of the iwoca Lending API with iwoca managing the underwriting, loan management and financing.

Fidor Bank

We provide a fully outsourced service to the leading digital German bank, Fidor. We are responsible for processing applications, making credit decisions and funding customers in accordance with guidelines defined by Fidor, while they remain the lender of record with loans sitting on their balance sheet.



Our integration with PayU, Poland’s leading online payment processor, allows businesses to apply for finance from iwoca in a few clicks through the PayU site. Decisions are typically made within an hour and if a customer has gone through our fully integrated journey, the outcome is visible within a customer’s PayU account.



As an official Xero Connected App, iwoca makes it faster and easier for Xero customers to access iwoca credit by simply linking their Xero account. Business can share their real-time trading data, including bank statements, VAT returns and accounting history, through a one-click integration enabling us to make a decision in hours, sometimes instantly. We can also report customers’ loan history back to Xero, saving customers time on bookkeeping. Learn more at iwoca.co.uk/xero


As an official KashFlow App, iwoca works with KashFlow to enable its customers to access iwoca credit. Kashflow customers can sign up with iwoca directly from the KashFlow Apps page.

Finance Platforms

Funding Options

We have integrated the iwoca application process with Funding Options to save customers time and simplify the application process. When iwoca is a suitable option for Funding Options customers they can choose to be seamlessly transferred into the iwoca application process without having to provide iwoca with any details already provided to Funding Options.

Funding Xchange

We work with Funding Xchange to ensure iwoca is offered as an option to all suitable customers using Funding Xchange to find finance, with a quotation already provided on the Funding Xchange platform.

Offer your SME clients up to £250,000 of credit through iwoca. It's fast, simple and flexible.



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