Iwoca

iwoca was founded to expand possibilities for small businesses.

At iwoca, we believe finance should feel like a superpower, not a headache. That’s why our founders, Christoph and James, decided to create a solution custom-built for small businesses. One that strips out the hassle, gets to know what each business needs, and looks for opportunities rather than problems. One that provides access to finance where and when your business needs it.

In 2026, we were named Fintech Company of the Year by the Fintech Awards (sponsored by KPMG).

Our partner integrations and our Lending API mean we can provide access to finance where and when small businesses need it. Our award winning credit risk engine help us make faster, more accurate credit decisions built around the performance of the business.

Since 2012, we’ve made funding available to over 100,000 businesses, from cafés to car dealers, salons to solicitors. But we’ve only just started. Our mission is to fund one million small businesses.