Smarter than a business credit card
iwoca is fast and flexible finance custom-designed for small businesses. Get £1,000- £250,000 delivered instantly to your bank account.
Check your eligibility
iwoca is fast and flexible finance custom-designed for small businesses. Get £1,000- £250,000 delivered instantly to your bank account.
Check your eligibility
Funds go straight to your bank account for you to use any way you need. Like paying direct deposits and VAT bills - you can't do that with a credit card.
iwoca funds are free until you draw down, and then we just charge interest by the day. There's no annual fees, set up fees or early repayment fees.
You won't need to wait for a card to arrive in the mail. Get approved in hours then start using your funds instantly.
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.
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.
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.
Small business loans are all we do, so you'll get straight through to someone who can help, like Lisa – we're not fans of hold music. Call us from Monday to Friday (9am - 6pm). We accept applications over the phone.
Loved by small businesses (and big names)