iwoca offers flexible credit to small businesses across Europe, allowing them to take advantage of opportunities previously only available to their larger peers. From placing larger stock orders to bridging cashflow gaps, finance helps power our customer's growth.
We launched iwoca in 2012 and have already grown into one of Europe's leading fintech lenders. More startup than financial institution, we use technology to eliminate the cost and complexity associated with traditional business finance. That means we offer instant decisions and have no upfront fees, no lengthy forms and no long-term commitments.
Most importantly technology has allowed us to build a revolutionary risk model that understands any small business based on its trading data. Take an online retailer for example - analysing customer feedback scores, seasonal trends and profit margins helps us to predict the company's future health. In fact we look at thousands of data points for every applicant to make fair lending decisions, instantly.
Christoph and James launched iwoca in March 2012. They were looking for a challenge and saw the business finance space as ripe for disruption. Since then iwoca has grown to a team of seventy, based in central London.
As CEO and co-founder, Christoph oversees the day-to-day operations, finance and strategy for iwoca, always with an eye on the long-term vision.
Prior to co-founding iwoca, James was a VP at Deutsche Bank where he worked as a quantitative trader in structured credit.
iwoca stands for instant working capital. The correct way to write iwoca is all lowercase, even at the start of a sentence. It should never be written IWOCA, iWoca, Iwoca or even iWoCa.
Where possible you should use the two-colour version of our logo against a light background. You may choose whether to use the version with or without a tagline depending on context. Generally you should use the version with a tagline in contexts where people are not familiar with iwoca. We also have a partner logo, which should only be used by official partners, and a single-colour version of our logo which may be used against dark backgrounds.
We like to keep things simple. Interest is charged daily on outstanding balances, with no other fees and no long-term commitments. Rates start at just 2% per month, depending on your business profile.
iwoca provides financing that benefits from the support of the European Union under the Loan Guarantee Facility established under Regulation (EU) No 1287/2013 of the European Parliament and the Council establishing a Programme for the Competitiveness of Enterprises and small and medium enterprises (COSME) (2014-2020). The Loan Guarantee Facility is managed and implemented by the European Investment Fund (EIF).
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