Apply for a Flexi-Loan today

The money you need, when you need it.

Borrow £1,000 - £500,000 for 1 day to 2 years with our flexible business loans. Bridge gaps, grab opportunities or just keep cash flow smooth.

  • No early repayment fees
  • No paperwork
  • Money in your account in as quick as 2 minutes 37 seconds (our record)!
  • Top ups available

Applying won't affect your credit score


We have different flexible business loans available to suit your needs

We have different flexible business loans available to suit your needs


Revenue Based Loan

Our Revenue based loan is perfect for any business that takes card payments. Monthly repayments based on your revenue: if your sales slow down, you’ll pay less.

Flexi-Loan

Our Flexi-loan is designed to help you manage cash flow, borrow from 1 day to 24 months in an instant. Repay at your earliest convenience.

iwocaPay

Sell more and get your invoices paid sooner with iwocaPay.

Comparison table


1

For day to day cash flow: Flexi-Loan

Bridge gaps and cover costs; borrow up to £200,000 and repay over 12 months.

2

For extra breathing room: Flexi 24

A similar loan to our Flexi-loan, except you can spread the costs over 2 years - giving your more time to expand your business or invest in equipment.

3

For finance that mirrors your turnover, our Revenue Based Loan

Take payments online or with a card machine? With this loan you can spend on stock or marketing, and repay when the sales roll in (making variable payments instead of fixed ones).

Flex your loan


1

Apply in minutes

It takes five minutes from start to finish. We've designed our flexible business loans with small businesses in mind, so we'll just need the basics about your business to make a decision.

2

Use your funds

We'll approve you based on your business performance. You then transfer as much as you need to your bank account, and the funds will typically be in your account in hours.

3

Repay or top up

We don't charge early repayment fees: we only charge interest for the days you have the money. If you need more funds, applying for a top up is easy. As your business grows your credit limit will too.

Because we’re designed specifically for small businesses, our flexible business loans work like you do: they’re fast and hassle-free.

Because we’re designed specifically for small businesses, our flexible business loans work like you do: they’re fast and hassle-free.


No early repayment fees

If you want to repay early that’s great. We’ll never charge a fee for that. In fact, more than 20% of our customers repay ahead of schedule in their first six months.

Easy application

We’ve designed our application process to be as slick as possible: link your bank account and get going in minutes.

No hanging around

Once you’re approved, we’ll ping the money straight to your account. And if you need more later, you can apply for a top-up.

Loved by small businesses (and big names)


Frequently Asked Questions

Here is a bit more information we think might help. If you want to know more about flexible business loans, or iwoca, check our FAQs

Over the past seven years iwoca has grown from a small start-up to one of the fastest-growing business lenders in Europe. Now we're a team of more than 300 working towards the goal of funding one million small businesses.

Even though we offer business loans, we’re not a bank. We’re an independent company custom-built for small businesses – and our goal is to provide straightforward access to finance where and when your business needs it.

Yep, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your business loan early we won't charge you any fees. (And don't worry - you’ll never find any sneaky small print surprises with us.)

Let us know as soon as possible if you think you might have payment difficulties, we’ll work together to find a solution. Read more

Straightforward applications and quick decisions - our Flexi-Loan is great for businesses who weren’t affected by coronavirus or are starting to get back on track. We designed this flexible business loan with small businesses in mind. It takes five minutes to apply. We'll approve you based on your business performance. Use your funds then repay or top up.

When you're a small business you need to move fast. Dealing with banks is a long process. Dealing with iwoca was definitely a lot more efficient.

When you're a small business you need to move fast. Dealing with banks is a long process. Dealing with iwoca was definitely a lot more efficient.

Ian - Champs Barbers

Customer support

Questions?

We're here to help

Small business loans are all we do, so you'll get straight through to someone who can help, like Lisa – we're not fans of hold music. Call us from Monday to Friday (9am - 6pm). We accept applications over the phone.

Apply now

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.