Lending
⭐ Featured Partner
iwoca
Fast, flexible working capital and credit lines for UK small businesses.
Editorial Analysis
Rapid working capital lines that link directly to your business account via Open Banking for decisions within hours.
✓ Core UK Strengths
- Revolving Credit
- Instant Decisions
- No Early Repayment Fees
- Open Banking Integration
⚠️ Key Limitations
Interest rates on revolving credit are higher than traditional secured high-street bank commercial loans.
💡 Who Should Skip
Businesses seeking long-term 10-year fixed commercial property mortgages.
Provider Fact Sheet
Compare iwoca with Alternatives
Direct feature, pricing, and verified rating comparison for leading UK solutions.
| Provider | Pricing | Target Audience | Rating | Action |
|---|---|---|---|---|
| iwoca (Viewing) | Interest rates vary based on usage | Seasonal businesses, Working capital, Inventory purchases | ★ 4.7 | Current Profile |
| Funding Circle | Competitive interest + arrangement fee | Established UK businesses looking to expand | ★ 4.5 (Trustpilot UK) | Compare → |
| Capital on Tap | Free standard card or £99/yr Rewards | UK Limited Companies, High ad-spend companies | ★ 4.6 (Trustpilot UK) | Compare → |