Buy now, pay later

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

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Finance designed around your trading needs

We've developed a fast, flexible trade finance solution just for 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 £250 million from iwoca and given us a 9.7/10 rating on TrustPilot.

How iwoca is helping Brew Lab bring great coffee to Scotland

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Simple yet flexible


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.


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.


Instruct us to pay your supplier

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


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 £250 million borrowed, customers have given us a 9.7/10 rating across 1,586 TrustPilot reviews.

Low rates, no fees

We've worked with 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 020 3778 0105.

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




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