iwoca offers a new type of credit facility for small businesses, allowing them to take advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, iwoca believe that access to finance is crucial to driving business growth. 

iwoca finance every sector, from cafés to car dealers, aiming to expand access to credit to all of the UK's five million small businesses.  

Sign up in five minutes to give your business access to a credit facility of £1,000 - £100,000 for up to 12 months. This facility is completely flexible - you can repay early at no extra cost, reducing the overall cost of funding. There are no hidden fees, no lengthy forms and no long-term commitments. 

More startup than financial institution, iwoca uses technology to eliminate the cost and complexity associated with traditional business finance. They analyse the data behind your business to build a 360 degree view of your operations, meaning they can offer instant credit facilities with no upfront fees 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.