020 3778 0105

Flexible business credit line of up to £150,000

Connect your Xero account to save time on your application and speed up your approval

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Turn cash flow into a competitive advantage

Our revolving credit facilities give you access to £1,000 - £150,000 on demand.

Connected With Xero

Link your Xero account in seconds so we can make a fair lending decision with no paperwork and no long forms.

Lightning Fast

Apply in minutes and have the funds in your bank account within hours. We move as fast as your business.

Unrivalled Flexibility

Repay as soon as you like or top up during the life of your loan. You only pay interest for each day you have the funds.

Outstanding Service

Thousands of businesses have borrowed over £250 million from iwoca and given us a 9.7/10 rating on TrustPilot.

iwoca is even faster with Xero connected!

Connecting Xero makes our application process simpler and credit approval faster

Why Xero

Why connect Xero to iwoca?

Linking a Xero account allows you to verify your trading history and get you approved with no paperwork.

  • By connecting your Xero account, you are securely sharing access to your full accounting data. We analyse your Xero account in seconds allowing us to make a faster decision.
  • You can also choose to have details of your loan and repayments added to Xero to save time on bookkeeping.

Never used Xero? Here's a quick introduction

How does iwoca connect to Xero?

Linking a Xero account is fast, simple and secure.

  • Sign up with iwoca as normal. After taking for your basic details, we'll ask you to link your Xero account.
  • You'll be redirected to Xero where you can log in to your account (we never see your password) and confirm that you wish to share your data with iwoca.
  • That's it. Now that we have your trading data from Xero, we can typically make a decision within a couple of hours.

How iwoca is helping Brew Lab bring great coffee to Scotland

Application Complete

Simple yet flexible


Sign up in minutes

It’s completely free to sign up and there are no commitments. We just need some basic details in order to verify your business.


Get approved

Credit limits are based on your business performance - we can typically lend up to one month’s revenue, or up to £10,000 for a startup business.


Take the funds

Draw down as much as you need, when you're ready. To save you time, we can even report data to Xero each time to take funding or make a repayment.


Repay or top up

Keep the funds for 12 months or repay early to save interest. You can also top up, up to your credit limit (subject to approval).

Learn more in our FAQs

Trusted by thousands of small businesses

With over £250 million borrowed, customers have given us a 9.7/10 rating across 1,684 TrustPilot reviews.

Clear, transparent pricing

We like to keep things simple. Interest is charged daily on outstanding balances, with no other fees and no long-term commitments. Rates start at just 2% per month, depending on your business profile.

Representative example: Borrow £10,000 for 12 months at 49% representative APR. Interest rate of 40% p.a. (fixed). Total amount repayable is £12,165. Actual rate may vary based on circumstances.

Supported by the EU: iwoca provides financing that benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020). The Loan Guarantee Facility is managed and implemented by the European Investment Fund (EIF). Learn more

Questions? Speak to a real person.

Our team of dedicated account managers are ready to help. Give them a call on 020 3778 0105.

Get approved for up to £150,000 today. No fees, no commitments.




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Why Xero?

Xero is easy to use online accounting software that’s designed specifically for small businesses.

  • It's all online, so you can work when and where you want to. Just login with your PC, Mac or mobile.
  • Your bank statements are automatically imported and categorized, letting you see your cashflow in real­time.
  • Invite your team and work together on financials. You can collaborate over your up­to­date numbers.
  • Xero has all you need to run your business – including invoicing, paying bills, sales tax returns, reporting and much more.