Products Insights Help About Log in 020 3778 0274 We use cookies to give you the best online experience. Got it! Apply for a Flexi-Loan today Straightforward applications and quick decisions - it’s great for businesses who weren’t affected by coronavirus or are starting to get back on track. Borrow from £1,000 to £200,000 over 12 months Repay early with no fees Decisions in 1 working day Have help on hand with a dedicated account manager Apply for a Flexi-Loan Excellent Trustpilot • 4,757 reviews We've been supporting over 50,000 small businesses with access to finance since 2012. Flexible finance at your fingertips Apply in minutes. It takes ten minutes from start to finish. We're designed with small businesses in mind, so we'll just need the basics about your business to make a decision. Use your funds. We'll approve you based on your business performance. You transfer as much as you need to your bank account, and the funds will typically be in your account in hours. Repay or top up. We don't charge early repayment fees: we only charge interest for the days you have the money. If you need more funds, applying for a top up is easy. As your business grows your credit limit will too. What can I use a Flexi-Loan for? Flexi-Loan can be a great boost to your business if: you’re looking for funds to grow your business; you’re looking to manage cash flow in the short term; you have a Bounce Back Loan and want additional funds; you weren’t eligible for a government backed CBILS loan; or you weren’t eligible for a government backed Bounce Back Loan; Sound like you? Apply now Frequently Asked Questions Here is a bit more information we think might help. If you want to know more about iwoca, check our FAQs What is iwoca? How are you different from a bank? Can I repay early? What happens if I can't make a repayment? We keep our prices simple We’ll only charge interest on your outstanding balance for the days you’re using your loan – no hidden fees, no long-term commitments. Our rates start at 2% a month for a Flexi-Loan, depending on your business. Using our Flexi-Loan calculator is easy – use the first slider to choose an amount between £1,000 and £200,000, and then choose how many months you’d like to borrow it for. You’ll be able to see how much you’ll repay each month, and can apply if you decide it’s the right choice for your business. 6 monthly repayments of £1,120 Total repayment of £6,718(3.33% interest rate per 30 days) Borrow up to £200,000 For up to 12 months Borrow £6,000 Need help? call us This loan calculator is only an example, your actual rate will vary based on your circumstances. Here’s another example. If you borrowed £10,000 for 12 months at 49% representative APR, with an interest rate of 40% p.a. (variable), then, all in all, the total amount you’d repay would be £12,294. Apply for a Flexi-Loan Straightforward applications and quick decisions. It’s great boost for businesses who weren’t affected by coronavirus or are back on track. Apply for a Flexi-Loan Questions? We're here to help Small business loans are all we do, so you'll get straight through to someone who can help, like Lisa – we're not fans of hold music. Call us from Monday to Friday (9am - 6pm). We accept applications over the phone. Apply now 020 3778 0274 contact@iwoca.co.uk Learn more About us Inside iwoca Careers Press and news Help Recovery Loan Scheme Support center Developers API Coronavirus update Resources Insights Finance explained Our partners Brokers Accountants Partners Products Flexi-Loan iwocaPay Terms & privacy Privacy policy Terms of use Use of cookies Complaint policy 020 3778 0274 contact@iwoca.co.uk Apply now iwoca Ltd, 3rd Floor 101 New Cavendish Street London, W1W 6XH iwoca Limited is authorised and regulated by the Financial Conduct Authority (reference number: 723378) in relation to regulated credit agreements and are a registered account information service provider (reference number: 791804). We're also registered with the Information Commissioners Office in relation to the processing of personal information (registration number: Z3007540). iwoca Limited is incorporated in England and Wales (company number: 07798925). Our registered office is 10 Queen Street Place, London, EC4R 1AG. £6,000 6 months