Location
Headquarters: London, England, United Kingdom, Europe
Region: England
Country: GB
Continent: Europe
About
iwoca is a UK-based fintech lender that focuses on providing fast, flexible financing for small and medium-sized businesses. The company offers a range of funding options including short-term business loans and credit facilities to support growth, working capital, equipment purchases, and expansion across the United Kingdom. With a consumer-friendly application process and a track record of quick decisions, iwoca positions itself as an independent alternative to traditional banks for small businesses. The brand operates primarily in Europe, with a strong emphasis on speed, simplicity, and accessibility for UK SMEs.
iwoca is a UK-based fintech lender that provides fast, flexible financing to small and medium-sized businesses. The company offers short-term business loans and credit facilities through a digital platform and Lending API, serving customers such as cafés, salons, and retailers. It positions itself as an independent alternative to traditional banks by emphasizing speed and accessibility for SMEs.
iwoca Ltd.
2012
for_profit
active
Industries
Primary Industry: Finance
Categories
Funding & Financials
Debt
1300000000
50m-100m
private
Investors
Founders
Christoph Rieche
James Dear
Leadership
Christoph Rieche — CEO & Co-founder
James Dear — Co-founder | Head of Systems & Numbers
Colin Goldstein — Commercial Growth Director and Chief Commercial Officer, UK
Seema Desai — Chief Operations Officer
Joseba Mendivil — Back End Developer
Rene Trautner — Head of Capital Markets
Fabian Platzen — General Manager iwoca Deutschland
Technology Stack
Products
Business Loans: Provides loans from £1,000 to £1,000,000 to UK-based SMEs for various business needs with flexible repayment terms and no early repayment fees.
iwocaPay: A digital payment solution enabling businesses to accept payments online, via invoices, or in person with integrated Buy Now Pay Later options and automatic reconciliation.
iwocaPay for Accountants: A payment solution tailored for accountants and bookkeepers to help their clients spread payment costs while receiving instant full payment themselves.
Buy Now Pay Later for Trade Customers (iwocaPay): A B2B payment service offering approved trade customers flexible payment terms up to £30,000 with instant payment to suppliers and no credit risk.
Funding rounds
DEBT · 137500000 · (2026-04-01T00:00:00)
SERIES_D · 15580000 · (2025-08-01T00:00:00)
LENDING_CAPITAL · 356400000 · (2024-05-01T00:00:00)
GRANT · 13200000 · (2019-08-01T00:00:00)
SERIES_C · 26400000 · (2016-10-01T00:00:00)
SERIES_B · 20000000 · (2015-07-01T00:00:00)
EARLY_VC · 220000 · (2015-04-01T00:00:00)
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