How do I apply?

Sign up online and link your business accounts to iwoca, or upload bank statements, VAT returns or company accounts. We will make an instant assessment of your business and confirm your offer within hours. If you are happy to proceed you can withdraw the funds to your bank account.

What data do you look at?

For most of our applications we check bank statements and VAT returns. This data allows us to get a good understanding of your business without complex paperwork.

You can securely link many of your online accounts to iwoca, and we’re adding more integrations all the time. Right now you can connect to bank accounts from Lloyds, Barclays and HSBC through open banking. We also integrate with accounts from Xero, Amazon, Paypal, Sage Pay and more.

If you would prefer not to link your accounts, you can always upload statements.

How long does it take?

It takes a few minutes to apply. Your account manager will then be able to review your account and put an offer in place within hours. Once you are approved you can withdraw the funds to your bank account, 24/7.


What is iwoca?
How iwoca loans work and who is eligible?
Costs and repayments?
Privacy and security?

Did this answer your question?