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At iwoca, we believe finance should feel like a superpower, not a headache.

FintechB2BSaaSLending
Company overview

About 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. 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.

Purpose

Mission and direction

iwoca builds flexible finance and lending technology for small businesses, helping them access funding quickly and confidently when they need it. Combining smart technology, data science, partner integrations and a lending API, the company focuses on making business finance simpler, more responsive and more useful for SMEs. Its mission is to support small businesses at key moments so they can grow and thrive.

How they work

Company values

  • Independent thinking
  • Evidence-based
  • Learning & growth
  • Autonomy
  • Customer focus
  • Collaboration