iwoca

Flexible finance for small businesses

iwoca provides finance to small and medium businesses on terms that match how those businesses actually operate — where opportunities do not wait and cash flow pressure can appear overnight. Combining technology, data science and direct customer service lets it decide quickly enough that the money arrives while the reason for needing it still exists, which is the part conventional lending gets wrong. It has provided more than £4 billion in funding to 100,000 businesses, working toward supporting a million SMEs at their defining moments.