Buy now, pay later

Fast, flexible trade finance for your orders from Alibaba.com Chinese suppliers.

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Finance designed around your trading needs

We've developed a fast, flexible trade finance solution just for Alibaba.com buyers.

Low Rates

Pay one low interest rate of just 0.8% - 2% per month. You can finance your full order, including the deposit.

Free Currency Exchange

We convert currency with a best rate guarantee and zero commission. Then we send the funds to your supplier for free.

Unrivalled Flexibility

Repay as soon as you like or top up when a new order comes along. You only pay interest for each day you have the funds.

Outstanding Service

Thousands of businesses have borrowed over £70 million from iwoca and given us a 9.8/10 rating on TrustPilot.

How iwoca is helping Brew Lab bring great coffee to Scotland

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Simple yet flexible

1

Sign up in minutes

It’s completely free to sign up and there are no commitments. We just need some basic details in order to verify your business.

2

Get approved

Credit limits are based on your business performance - we can typically lend up to one month’s revenue, or up to £10,000 for a startup business.

3

Instruct us to pay your supplier

We can finance any order from a Chinese supplier on Alibaba.com, including the deposit. Funds are sent with free currency exchange and no transfer fees.

4

Repay over 7 months

Make monthly repayments, or make free early repayments if you prefer. We also offer a 1 month repayment holiday so your first payment is not for 2 months.

Learn more in our FAQs

Trusted by thousands of small businesses

With over £70 million borrowed, customers have given us a 9.8/10 rating across 265 TrustPilot reviews.

Low rates, no fees

We've worked with Alibaba.com to offer low rates starting at just 0.75% per month. Interest is charged daily on outstanding balances, with no other fees and no long-term commitments. Choose to repay over up to 12 months (with a one month repayment holiday) or repay early to save interest.

Questions? Speak to a real person.

Our team of dedicated account managers are ready to help. Give them a call on 0800 205 5535.

Get approved for up to £120,000 today. No fees, no commitments.

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