iwoca

iwoca was first launched in 2012 by financial industry heavyweights, Christophe Rieche and James Dear, former Vice Presidents of Goldman Sachs and Deutsche Bank respectively. 

Their passion for combining responsible lending with the very latest analytical technology has seen them lend more than £170m to thousands of UK businesses with unprecedented success. Their award winning platform has led them to become one of the UK's most respected fintech organisations, achieving an enviable TrustPilot score of 9.8/10 (Apr 2017).

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Products & Sectors

iwoca stands for instant working capital and they certainly don't disappoint. The iwoca lending system has been designed with speed in mind, offering working capital loans which can be applied for in minutes and transferred within hours.

These working capital loans have helped thousands of businesses to realise their true potential, assisting with everything from new asset, equipment and vehicle purchases to staff training, IT infrastructure and premises expansion.

Their professional team of account managers bring a wealth of lending experience across a diverse selection of industries. From retail, wholesale and distribution to property, leisure and healthcare, iwoca have the knowledge and expertise to help create the perfect loan for your business.

Key Benefits

Perhaps the biggest plus to using iwoca is the speed and accuracy with which they can assess each application that comes their way. They've created a state of the art analysis tool which uses thousands of data points to instantly predict future trading trends of your business, helping to provide fair underwriting decisions based on real business performance.

They're typically able to lend up to one month's revenue to SMEs and growing businesses up to a maximum of £100,000 whilst giving customers the freedom to revolve and increase their credit facility as and when it's needed.

Rather than paying interest on the total amount borrowed, it's charged daily only what's outstanding, helping to ensure that you'll never pay for debt which you no longer have.

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