iwoca offers flexible credit to small businesses across Europe, allowing them to take advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, finance helps power our customer’s growth.


Fair Decisions

Award-winning technology allows us to make a decision based on your real business performance.


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 £170 million from iwoca and given us a 9.6/10 rating on TrustPilot.



Simple yet flexible

1. 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.

2. 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.

3. Take the funds – Draw down as much as you need, when you’re ready. Most businesses use iwoca to manage cash flow gaps, buy stock or make investments.

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


What do THINK have to say about iwoca

We’ve worked with iwoca for nearly 2 years. Ever since our first deal, they have been a great partner. They go out of their way to find a solution for our customers, when many other lenders have written them off. They offer great working capital loans to fit a variety of cash flow concerns.


They are considered by some to be lower down the tiers in terms of lenders, but we feel that whilst their rates may not be tier one, their service and infrastructure really is. Their rates start around 2.25% per month, which sits on the relative higher side, but they offer interest on the depreciating balance, which means its ever reducing, and ends up being extremely beneficial to clients looking for short term options.