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We’re based in London, right next to Oxford Circus. Drop round for a chat if you're in the area.
Our maximum term is for up to 12 months but you can always repay early if you don't need the funding for that long. We only charge interest for each day you have the funding so making early repayments is a great way to reduce the total amount of interest you will pay.
Minimum repayments must be made either weekly or monthly, depending on the repayment schedule you agree to when requesting funds. However, if you wish to keep the funds for less than the full 12 month term you can choose to repay early for free.
To help us lend responsibly we run credit and identity checks when you apply. However we run quotation searches which leave a 'soft-footprint' (meaning they have no impact on your credit score). A full credit search will only be run if you choose to take a loan.
When you link your accounts our automated systems only look at your sales history and other business data. We never see your passwords and treat all of your data with the utmost care.
Linking a Xero account is an easy way to share your business data with iwoca, including your bank statements, VAT returns and company details. You can also automate your accounting by choosing to have iwoca add a transaction to Xero when you take funds or make a repayment. You can choose to remove our access to your Xero account at any stage through the settings page on your Xero account.
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