In partnership with

Business finance. Simplified.

Borrow £1,000 - £200,000 for cash flow, stock or investments. Fast and fair decisions.

Our 5 minute application won't affect your credit score

Our flexible funding has helped over 50,000 small businesses from everyday orders to making your next big bet.

Running a business, you need funds ready for anything from daily orders to making your next big bet.

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.

Straightforward application

We’ve designed our service so the funds get to your business as quickly as possible. It takes five minutes to apply and we can approve you in under 10 minutes. (Three minutes and twenty-six seconds is our record.)

Dedicated account manager

We’ll give you a dedicated account manager from the off – someone who knows all your company’s dreams and schemes. Whenever you get in touch, you’ll always talk to them and fast - 98% of our incoming calls are responded to in 20 seconds or less.

The process has been easy, uncomplicated and very quick. Their service is excellent with regular contact and support. I highly recommend this company for any business that needs finance.

The process has been easy, uncomplicated and very quick. Their service is excellent with regular contact and support.

Tim Law - Simply Plants

How it works


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.


Use your funds

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


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.

We keep our prices simple

Simple Pricing

We’ll only charge interest on your outstanding balance for the days you’re using your loan – no hidden fees, no long-term commitments. Our rates start at 2% a month, depending on your business.

6 monthly repayments of £9,331

Total repayment of £55,986(3.33% interest rate per 30 days)

Borrow up to £200,000

For up to 12 months

Need help? call us

This loan calculator is only an example, your actual rate will vary based on your circumstances. Here’s another example. If you borrowed £10,000 for 12 months at 49% representative APR, with an interest rate of 40% p.a. (variable), then, all in all, the total amount you’d repay would be £12,294.

Looking to borrow for more than 12 months or need a larger amount? Explore our longer term finance options for your business.

Want to know more?

Here are some questions our customers ask. If there’s anything we haven’t covered here, check our FAQ

We only run soft credit checks which means applying won’t affect your credit score. But if you decide to draw down funds from us, the loan will show up on your credit report.

Yep, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your loan early we won't charge you any fees. We don’t believe in hidden fees either, so you’ll never find any sneaky small print surprises.

Even though we offer 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.

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

It takes five minutes to apply and in almost all cases you'll get a decision in 24 hours.

Generally, they put the money to short term investments, like extra stock. Or they use it to help with cash flow, like if they're waiting on an invoice.

Loved by small businesses (and big names)

Read about us

Lady on phone

Questions? Speak to a real person

Small business finance is all we do, so you'll get straight through to someone who can help, like Lisa. Call us from Monday to Friday (8am - 7pm) and Saturday (9am - 3pm). We accept applications over the phone.

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.