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About


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. Most businesses use iwoca to manage cash flow gaps, buy stock or make investments.

Repay or top up


Keep the funds for 6 months or repay early to save interest. You can also top up to your credit limit (subject to approval).

Key points


iwoca is the fast, flexible source of business finance for all UK businesses. That includes retailers, restaurants, hotels, service providers and more. Businesses use iwoca for all sorts of different purposes, from bridging short-term cashflow gaps to investing in stock opportunities.

How do they charge?


Interest rates vary from 2% to 6% per month. Sign up to receive a tailored offer, with no obligation to proceed. Interest accrues daily which means you only pay for each day you have the funds. For example a business on a 5% monthly rate would only pay £1.67 per day for every £1,000 they had outstanding.

Business Loans


iwoca is the fast, flexible source of business finance for all UK businesses. That includes retailers, restaurants, hotels, service providers and more. Businesses use iwoca for all sorts of different purposes, from bridging short-term cashflow gaps to investing in stock opportunities.

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