Iwoca is a financial technology company that provides flexible business loans and invoice financing solutions to small and medium-sized enterprises (SMEs) in the UK. Operating in the financial services market, Iwoca serves a diverse range of clients, including retailers, service providers, and manufacturers. The company offers products such as the iwoca Flexi Loan, which allows businesses to borrow funds with flexible repayment terms, and iwocaPay, an invoice financing solution that helps businesses manage cash flow by allowing their customers to pay invoices over time.

Iwoca's business model focuses on leveraging technology to offer quick and efficient lending decisions, often within 24 hours. The company generates revenue through interest on loans and fees associated with its financing products. By using advanced data analytics and machine learning, Iwoca assesses credit risk more accurately and provides tailored financial solutions to its clients.

Keywords: SME loans, invoice financing, flexible repayment, quick decisions, fintech, cash flow management, business growth, credit risk assessment, UK market, tailored solutions.