It's no secret that banks aren't lending to small businesses. That's why we're on a mission to break down the barriers small businesses and startups face when accessing finance. Our fast and flexible facilities between £1,000 - £100,000 can help small businesses place larger stock orders, bridge cash flow gaps, or invest in growth. It's free to apply and there are no long-term commitments, no hidden fees and no complex forms. Award-winning technology means iwoca makes faster, more accurate credit decisions than traditional lenders. We leverage online integrations with the high-street banks, payment processors and sector-specific providers to look at thousands of data points for each business. These feed into a risk engine that enables iwoca to make a fair assessment of any business - from a retailer to a restaurant, a factory to a farm - and approve a credit facility within hours. We're proud to partner with Accountants and Commercial Loan Brokers. With a few clicks, you can link a client's Xero data to iwoca, removing the need to upload additional documents to support their credit application. Since our launch in 2012, iwoca has lent over £260m to over 12,000 businesses across Europe. iwoca is based in London and has operations in Poland and Germany. For more information, visit iwoca.co.uk or email [email protected].