iwoca reviews: our customers say it best

Over the past eleven years iwoca has grown from an ambitious fintech start-up to one of the fastest-growing and biggest business lenders in Europe. Now we're a team of around 400 in London, Leeds and Frankfurt working towards the goal of funding one million small businesses.
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Applying won't affect your credit score

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£3 billion+

approved business loans

Excellent trustpilot score for iwocaGoogle rating of 4.3 for iwoca
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Loved by over 100,000+ small businesses since 2012

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How does it work?

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  1. Apply in minutes

    It takes five minutes from start to finish. We're designed 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.

Apply now

Applying won't affect your credit score

Championing small businesses, keeping our employees happy

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Questions? We're here to help

Call us at 020 3778 0274 from Monday to Friday (9am - 6pm). We can take your business loan application over the phone, or answer your questions about applying online.