Who we are

iwoca is a London-based lender specialising in short term, flexible finance tailored to the needs of small businesses. Since 2012, iwoca has lent over £1billion and made finance available to over 50,000 UK businesses.

Our Flexi-Loan is an unsecured credit facility from £1000 - £200,000 that can be used for up to 12 months. Decisions can typically be made in 24 hours, if not instantly, and the funding can be made available in just a few hours - meaning you can access finance as and when you need it.

With no fees, the only charge is the daily interest on your outstanding balance - this means you’ll only pay for the amount of days you’re using the money and you can pay back early at no cost.

Our Flexi-Loan is great for short term needs such as placing larger stock orders, bridging invoice payments, or managing cash flow gaps. We believe that access to finance is crucial to driving business growth and you’ll have the flexibility to top up and pay down your loan as required.

Who we fund

We serve a range of small businesses, from cafés to car dealers, in our mission to expand access to credit to all of the UK's five million small businesses.

Our signup takes just five minutes and there are no hidden fees, no lengthy forms, and no long-term commitments.

Why businesses like working with us

More startup than financial institution, we use technology to eliminate the cost and complexity associated with traditional business finance. We analyse the data behind your business to build a 360 degree view of your operations, meaning we can offer instant credit facilities and the flexibility to top up and pay down as required.

Every iwoca customer has their own personal account manager to guide them through the funding process and support your business as you grow.


"Having experienced some cash flow problems I was in urgent need to pay for some stock. I had received an email from Iwoca which I couldn't believe until I actually approached them. Completing paperwork was so easy. Seeing exactly what you were paying back was even better as it was all visible and easy to follow. Great way with great rates to resolve interim cash flow issue"

"I got my funds approved by Nick in less than 3 minutes and my loan amount was in my account immediately. 5/5 for them any day."

"From the moment I contacted iwoca I was impressed with the service and the personal interaction. Clear, helpful and at the time promised. The documentation transactions were made easy by simple no-nonsense web application. Our transaction was completed at 9.00 pm in the evening and the account manager phoned to let us know and we drew down funds there and then. The whole team were simply brilliant"

Available loan types

Request Flexible Credit Line