You’re on the United Kingdom site
Select a region


By iwoca
5 out of 5 stars
Fast, flexible credit facility of up to £200,000 to help small businesses grow. Simple online application process. Decision and funds within hours.
out of 5
Reviewed by
Xero users
Listed for
7 years
February 2017
Key functions
Financial services


iwoca is unlocking economic growth by breaking down the barriers that stop Europe’s twenty million small businesses from accessing finance. No more convoluted forms, long waits and unfairly rigid lending criteria. Instead, iwoca is building award-winning technology that makes credit available to small businesses in a couple of clicks, providing access to £1,000-£200,000 directly through the iwoca website and through partner integrations with its Lending API.

Play Video
, opens in a dialog

iwoca + Xero

Linking a Xero account allows you to verify your trading history and get you approved with no paperwork. By connecting your Xero account, you are securely sharing access to your full accounting data. We analyse your Xero account in seconds allowing us to make a faster decision. You can also choose to have details of your loan and repayments added to Xero to save time on bookkeeping

Reviews & ratings

5.0 out of 5 stars
40 Reviews

Sort and filter


Most recent reviews

Karen Walker
Posted 22 Oct 2019
5 out of 5 stars
Have recommended several clients to use iwoca for funding. The service is quick, really easy to to link to Xero, and all clients were really happy with the outcome. The support from the iwoca team is also superb. I wouldn't hesitate to suggest iwoca to any of my clients needing additional finance.
Dipak Shah
Posted 22 Oct 2019
5 out of 5 stars
Great app to for a quick turnaround decision. Not the cheapest but great for immediate cash flow improvement. Great customer service, and seamless link to Xero. The client was happy with the quick turnaround.
Matthew McConnell
Posted 18 Oct 2019
5 out of 5 stars
Great app - the fastest application we made was for a small construction company where it was accepted within 10 minutes and paid out within 3 hours. The system is seamless and the team can't be faulted.

Additional info


Financial services

App details

By iwoca
Added in 2017


United Kingdom


English, German, Polish


Setup walkthroughIntegration


0203 778 0324

Get started with iwoca

Although Xero reviews each app in the Xero App Store, we can’t give any guarantees. It’s up to you to assess the performance, quality and suitability of any app before going ahead.