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Text Content

Loans

Flexible business loanRevenue based loanSmall business loanUnsecured business
loanShort term business loan
iwocaPay

iwocaPay
Resources

Finance optionsFinance explainedInsightsCustomer stories
About

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Apply now
My Account
Open Mon-Fri 9-6pm
020 3778 0274
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loans

Flexible business loanRevenue based loanSmall business loanUnsecured business
loanShort term business loan
iwocapay

iwocaPay
Resources

Finance optionsFinance explainedInsightsCustomer stories
About

About usCareersInside iwocaPress and newsSustainability


BUSINESS LOANS. SIMPLIFIED.

Borrow £1,000 - £500,000: money you can use to buy new stock, invest in growth
plans or just keep your cash flow smooth.


Apply now

Applying won’t affect your credit score






2 MINUTES

to check your eligibility


NO FEES

for repaying early


YOUR OWN

account manager


HOW DOES AN IWOCA BUSINESS LOAN WORK?


APPLY ONLINE IN 5 MINUTES

We've designed our business loans with small businesses in mind, so we'll just
need the basics about your business to make a decision.


GET APPROVED IN 24 HOURS

If you’re approved for a business loan, you can transfer as much as you need
over to your bank.
The money should hit your account within hours.




BORROW FROM 1 DAY TO 2 YEARS

Your repayment schedule will depend on your circumstance, but if you’re ready to
repay your business loan earlier, we never charge a fee for that.


WE KEEP OUR PRICES SIMPLE

We’ll only charge interest on your outstanding balance for the days you’re using
your business loan – no hidden fees, no long-term commitments. Our business loan
rates start at 2% a month for a Flexi-Loan, depending on your business.


12 MONTHLY REPAYMENTS OF £25,613

Total repayment of £307,354(3.33% interest rate per 30 days)

Loan Amount £250,000
Borrow up to £500,000
Months 12 months
For up to 24 months
Need help? call us
Borrow £250,000

This loan calculator is only an example, your actual rate for your business loan
will vary based on your circumstances. Here’s another example: if you borrowed
£10,000 for 12 months at 49% representative APR, with an interest rate of 40%
p.a. (variable), then, all in all, the total amount you’d repay would be
£12,294.


WHAT YOU NEED TO GET STARTED

We can accept applications from all businesses (no matter the age or industry),
in fact all we ask is:

 1. you’re based in the UK

 2. you’re a limited company or a partnership

All you need to have to hand:

 1. basic details about the business

 2. bank statements from the last year (or you can link your account via Open
    Banking)

Ready to apply?

Get started

The document requirements may change according to the loan size and type of
company


WE'RE HERE TO HELP YOU GROW

We take care of the loan; you get back to business. Like these happy customers:


WE USE IWOCA FINANCE FOR OUR ADVERTISING AND IT ALWAYS GENERATES AN AMAZING
RETURN ON INVESTMENT. IWOCA IS MY GO-TO WHEN I REQUIRE QUICK FUNDING TO HELP ME
RUN SUCCESSFUL MARKETING CAMPAIGNS.

Rebecca Lockwood (trainer for female entrepreneurs)

Rebecca


WE WERE WAITING FOR PAYMENTS FROM APPLE AND GOOGLE TO COME THROUGH AND IWOCA’S
LOAN HELPED BRIDGE THAT GAP. THEY WERE ABLE TO OFFER US A SMALL AMOUNT AND IT
JUST WORKED BEAUTIFULLY IN THAT MOMENT.

Companion Apps

Dan


WITH IWOCA'S REASONABLE RATES AND AMAZING STAFF, WE WERE ABLE TO QUICKLY OBTAIN
A LOAN TO PURCHASE EQUIPMENT BEFORE OUR GRAND OPENING. SOPHIE WAS VERY
SUPPORTIVE AND WALKED US THROUGH THE PROCESS.

Nails and Cocktails

Cecilia


IWOCA HELPED TO STAVE OFF A SHORTFALL WHEN OUR FIRST RENT PAYMENT WAS DUE, I
DIDN’T HAVE ENOUGH TO PAY FOR EVERYTHING BECAUSE THE CENTRE WAS SO NEW. APPLYING
FOR FUNDING THROUGH IWOCA WAS VERY STRAIGHTFORWARD.

Aldershot Soft Play Centre

Paul


WE HAD AN OPPORTUNITY TO STOCK A UNIQUE BIKE BRAND THAT NOBODY ELSE IN THE
COUNTRY WAS SELLING... GETTING FUNDING FROM IWOCA WAS A BIG STEP FOR US BUT IT
MADE A MASSIVE DIFFERENCE.

Hub Vélo

Mike


WE USE IWOCA FINANCE FOR OUR ADVERTISING AND IT ALWAYS GENERATES AN AMAZING
RETURN ON INVESTMENT. IWOCA IS MY GO-TO WHEN I REQUIRE QUICK FUNDING TO HELP ME
RUN SUCCESSFUL MARKETING CAMPAIGNS.

Rebecca Lockwood (trainer for female entrepreneurs)

Rebecca


WE WERE WAITING FOR PAYMENTS FROM APPLE AND GOOGLE TO COME THROUGH AND IWOCA’S
LOAN HELPED BRIDGE THAT GAP. THEY WERE ABLE TO OFFER US A SMALL AMOUNT AND IT
JUST WORKED BEAUTIFULLY IN THAT MOMENT.

Companion Apps

Dan


WITH IWOCA'S REASONABLE RATES AND AMAZING STAFF, WE WERE ABLE TO QUICKLY OBTAIN
A LOAN TO PURCHASE EQUIPMENT BEFORE OUR GRAND OPENING. SOPHIE WAS VERY
SUPPORTIVE AND WALKED US THROUGH THE PROCESS.

Nails and Cocktails

Cecilia


IWOCA HELPED TO STAVE OFF A SHORTFALL WHEN OUR FIRST RENT PAYMENT WAS DUE, I
DIDN’T HAVE ENOUGH TO PAY FOR EVERYTHING BECAUSE THE CENTRE WAS SO NEW. APPLYING
FOR FUNDING THROUGH IWOCA WAS VERY STRAIGHTFORWARD.

Aldershot Soft Play Centre

Paul


WE HAD AN OPPORTUNITY TO STOCK A UNIQUE BIKE BRAND THAT NOBODY ELSE IN THE
COUNTRY WAS SELLING... GETTING FUNDING FROM IWOCA WAS A BIG STEP FOR US BUT IT
MADE A MASSIVE DIFFERENCE.

Hub Vélo

Mike


WE USE IWOCA FINANCE FOR OUR ADVERTISING AND IT ALWAYS GENERATES AN AMAZING
RETURN ON INVESTMENT. IWOCA IS MY GO-TO WHEN I REQUIRE QUICK FUNDING TO HELP ME
RUN SUCCESSFUL MARKETING CAMPAIGNS.

Rebecca Lockwood (trainer for female entrepreneurs)

Rebecca

Bridging Loan
Purchasing equipment
Pay a due bill
Purchasing stock
Marketing

These are only some examples of what you can do with the funds

Apply now

Stephen Gee

Gee Ski Ltd

You think you’ve thought of everything, then something else crops up. That’s
where iwoca came in, to help us bridge those gaps.



Ian Hoyos

Champs Barbers

When you’re a small business you need to move fast. Dealing with banks is a long
process. Dealing with iwoca was definitely a lot more efficient.



Carl Douglas

Carl Douglas Racing Shells

iwoca’s funding allowed us to get on with the job, when otherwise we would have
run into a brick wall. It’s a friendly relationship. The simplest possible
process with the greatest help.



Tracy Sambrook

SEB Brewing

With iwoca, we could keep investing in kit, equipment and a new facility. So we
could keep our standards high.



Tom Seaton

Crate Bars Ltd

iwoca was definitely the simplest loan I’ve ever taken out in my life. Last year
we launched our product in Tescos and needed more working capital. iwoca helped
us do that.



Jonathan Hamp

Thermapply

What I like about iwoca is the quick turnaround. It gives you a sense of
security.




OUR BUSINESS LOANS: LOVED BY OVER 90,000 SMALL BUSINESSES (AND BIG NAMES) SINCE
2012





Tom Hyde

Brew Lab

We have a good relationship with our bank, but the bank moves really slowly.
That’s why iwoca is so useful. They’re very fast and very responsive.



Tim Law

Simply Plants

The process has been easy, uncomplicated and very quick. Their service is
excellent with regular contact and support. I highly recommend this company for
any business that needs finance.



Cecilia Downer

Nail and Cocktails

With iwoca's reasonable rates and amazing staff, we were able to quickly obtain
a loan to purchase equipment before our grand opening. Sophie was very
supportive and walked us through the process.



Mash Seriki

Healthcare Learning Ltd

The speed at which iwoca can respond to us is critically important for us to put
on a fantastic program. They understand that you can blend technology with that
human interaction.



Olivia Smith

Olivia and Pearl

iwoca was a breath of fresh air. We got an okay on our loan within a couple of
days and they went above and beyond to help me get our project off the ground.



Alex Harris

Behind This Wall Ltd

Borrowing for business can be intimidating but iwoca have always been on hand
for me to provide flexible options. They take the stress out of cash-flow issues
and allow you to focus on what you do best.




FREQUENTLY ASKED QUESTIONS

Here are some questions our customers ask. Check our FAQ for anything we haven't
covered.

Will applying for a business loan affect my credit score?

We only run soft credit checks which means applying won’t affect your credit
score. But if you decide to draw down funds from us, the business loan will show
up on your credit report.

Can I repay early?

Yep, some of our customers repay early to save on interest. If you want to make
extra repayments or pay off your business loan early we won't charge you any
fees. (And don't worry - you’ll never find any sneaky small print surprises with
us.)

How are you different from a bank?

Even though we offer business loans, we’re not a bank. We’re an independent
company custom-built for small businesses – and our goal is to provide
straightforward access to finance where and when your business needs it.

How long does it take?

It takes 5 minutes to apply and in almost all cases you'll get a decision in 24
hours.

What do your customers use their business loans for?

Generally, they put the money to short term investments, like extra stock. Or
they use it to help with cash flow, like if they're waiting on an invoice.

What if I need more?

With a Flexi-Loan, once you've paid back a third of your original credit limit,
applying for a top up is easy. We'll just need updated information about your
business.


QUESTIONS?


WE’RE HERE TO HELP

Call us from Monday to Friday (9am - 6pm). We can take your business loan
application over the phone, or answer your questions about applying online.

020 3778 0274
contact@iwoca.co.uk
Learn more
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Help
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Resources
Finance optionsFinance explainedInsightsCash flowInvoicingSmall business growth
calculator
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020 3778 0274
contact@iwoca.co.uk
Apply now

iwoca Ltd, 3rd Floor 101 New Cavendish Street London, W1W 6XH

iwoca Limited is authorised and regulated by the Financial Conduct Authority
(reference number: 723378) in relation to regulated credit agreements and are a
registered account information service provider (reference number: 791804).
We're also registered with the Information Commissioners Office in relation to
the processing of personal information (registration number: Z3007540). iwoca
Limited is incorporated in England and Wales (company number: 07798925). Our
registered office is 10 Queen Street Place, London, EC4R 1AG.


LET’S GET STARTED


APPLYING WON’T AFFECT YOUR CREDIT SCORE

What is your business email address?

How much would you like?

Sign up for updates – we’ll email offers and stories from other small
businesses.
Apply now


Need help? Call us:

020 3778 0105


GET APPROVED IN 24 HOURS

Applying won’t affect your credit score


WHAT'S NEXT?

 * Apply in 5 minutes
 * Meet you account manager
 * Get money in the bank in hours



Need help? Call us:

020 3778 0274





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