IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast
and fair decisions.
FLEXI-LOAN FOR BUSINESSES 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. INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OF Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
THE SIMPLE CHECKOUT FOR YOUR INVOICES The simple checkout for your invoices. Get your invoices paid sooner by making it easier to pay with iwocaPay. Your customers choose to pay now or pay over 3
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. FARM LOANS AND AGRICULTURAL FINANCE Farm loans and agricultural finance. From livestock to equipment, farms are expensive enterprises to run. Finance can help alleviate cash flow shortfalls and make investing in the business more realistic. 17 June 2019. Whether you own a plot of agricultural land or already run an established farm, it’s likely that you’ll need cash to fund
BUSINESS OVERDRAFTS
Business overdrafts are particularly helpful to seasonal businesses to cover short-term cash flow shortages. You only have to pay interest on the overdraft funds you withdraw. You can stop the business overdraft facility at any time, for example, once your cash flow is more stable. IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast and fair decisions.
FLEXI-LOAN FOR BUSINESSES 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. INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OF Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
THE SIMPLE CHECKOUT FOR YOUR INVOICES The simple checkout for your invoices. Get your invoices paid sooner by making it easier to pay with iwocaPay. Your customers choose to pay now or pay over 3
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. FARM LOANS AND AGRICULTURAL FINANCE Farm loans and agricultural finance. From livestock to equipment, farms are expensive enterprises to run. Finance can help alleviate cash flow shortfalls and make investing in the business more realistic. 17 June 2019. Whether you own a plot of agricultural land or already run an established farm, it’s likely that you’ll need cash to fund
BUSINESS OVERDRAFTS
Business overdrafts are particularly helpful to seasonal businesses to cover short-term cash flow shortages. You only have to pay interest on the overdraft funds you withdraw. You can stop the business overdraft facility at any time, for example, once your cash flow is more stable. 1 IN 3 SMALL BUSINESSES LOSING CUSTOMERS TO MAINTAIN COVID Darren Stanley, CEO of events planning and production company – OnFyre.co.uk: “I’ve been in events, hospitality, pubs and restaurants for 25 years; I love it – it's such a fantastic industry to be in – but the pandemic has completely shut it down. I spent 40,000 on my business just before the pandemic hit – on the website, marketing, equipment and sponsorship – this was ABOUT US | IWOCA
What’s going on with small business. Read the latest news, insights and updates from our blog. iwoca issues £1 billion in funding. Diversity, inclusion and belonging – Recruiting for the future. Ingenious eating – ‘If it's a good idea, it's going to work’. iwoca wins £10 million to boost British business. CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
SUPPORT SCHEMES FOR START UPS DURING CORONAVIRUS Financial support for start ups. Younger businesses may find that they are not eligible for some of the support schemes that the government has recently announced, such as the Coronavirus Business Interruption Loan Scheme (CBILS).Check out the alternatives below to see if you could receive funding to help your business through coronavirus. CBILS LENDERS / CBILS PROVIDERS The Coronavirus Business Interruption Loan Scheme or ' CBILS ', is a Government-backed lending initiative designed to help out small businesses that are struggling financially due to the coronavirus. Businesses with a turnover of less than £45m can apply for loans of between £50,001 and £5m, and also access invoice finance, overdrafts and
BEST CHARITY AND COMMUNITY BANK ACCOUNTS IN 2020 5. Bank of Scotland. Bank of Scotland makes it easy for treasurers, clubs and societies to open an account if the annual turnover is under 50,000. Bank of Scotland’s Business Management Team are on hand to help manage the charity bank account, which features easy direct debit and
TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. HIRING FREELANCERS VS PERMANENT EMPLOYEES: PROS AND CONS Pros of a permanent employee. While freelancers are flexible, there are benefits to hiring permanent staff to grow with your business. Commitment to your goals. While you can cut ties with a freelancer at a moment’s notice, and vice versa, permanent employees on average stay in a job for five years. That means permanent employees have more to
10 OF THE MOST UNIQUE BUSINESS IDEAS IN BRITAIN The Robin Collective. Playing with food is the name of the game at the Robin Collective (therobincollective.co.uk) – a group composed of, among others, chefs, artists, and entertainers, who take wacky ideas and turn them into edible art. From a Beyoncé cheese sculpture dubbed Brieyoncé (below) to The Grand Beedapest Hotel, a luxury resort IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast and fair decisions.
CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
FLEXI-LOAN FOR BUSINESSES 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. I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OF Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. HIRING FREELANCERS VS PERMANENT EMPLOYEES: PROS AND CONS Pros of a permanent employee. While freelancers are flexible, there are benefits to hiring permanent staff to grow with your business. Commitment to your goals. While you can cut ties with a freelancer at a moment’s notice, and vice versa, permanent employees on average stay in a job for five years. That means permanent employees have more to
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. 10 OF THE MOST UNIQUE BUSINESS IDEAS IN BRITAIN The Robin Collective. Playing with food is the name of the game at the Robin Collective (therobincollective.co.uk) – a group composed of, among others, chefs, artists, and entertainers, who take wacky ideas and turn them into edible art. From a Beyoncé cheese sculpture dubbed Brieyoncé (below) to The Grand Beedapest Hotel, a luxury resort IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast and fair decisions.
CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
FLEXI-LOAN FOR BUSINESSES 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. I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OF Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. HIRING FREELANCERS VS PERMANENT EMPLOYEES: PROS AND CONS Pros of a permanent employee. While freelancers are flexible, there are benefits to hiring permanent staff to grow with your business. Commitment to your goals. While you can cut ties with a freelancer at a moment’s notice, and vice versa, permanent employees on average stay in a job for five years. That means permanent employees have more to
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. 10 OF THE MOST UNIQUE BUSINESS IDEAS IN BRITAIN The Robin Collective. Playing with food is the name of the game at the Robin Collective (therobincollective.co.uk) – a group composed of, among others, chefs, artists, and entertainers, who take wacky ideas and turn them into edible art. From a Beyoncé cheese sculpture dubbed Brieyoncé (below) to The Grand Beedapest Hotel, a luxury resort CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
SUPPORT SCHEMES FOR START UPS DURING CORONAVIRUS Financial support for start ups. Younger businesses may find that they are not eligible for some of the support schemes that the government has recently announced, such as the Coronavirus Business Interruption Loan Scheme (CBILS).Check out the alternatives below to see if you could receive funding to help your business through coronavirus. CAREERS | IWOCA
iwoca Ltd, 90 Long Acre, London, WC2E 9RZ. 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).
WHAT IS CBILS AND WHAT CAN IT BE USED FOR? iwoca is an accredited CBILS lender, and are offering loans of between 50,001 and £350,000 through the scheme. With an iwoca CBILS loan, there's no need for a personal guarantee for loans up to £250,000. Above £250,000 the personal guarantee is only attached to 20% of your outstanding loan amount. You won't have to pay anything for the WE’VE SECURED FUNDING VIA THE GOVERNMENT’S FUTURE FUND Since launching in 2012, we’ve lent over £1 billion and made funding available to 50,000 small businesses. iwoca recently entered into a debt funding platform which will allow us to access up to 100m of funds to support new customers through our Coronavirus Business Interruption Lending Scheme (CBILS) offering.. We’ve now also secured funding through the government’s Future Fund LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. WORKING CAPITAL: AN ESSENTIAL GUIDE FOR SMALL BUSINESS Working capital is the oxygen your business needs to stay afloat and prosper. Managing the movement and use of capital is the first essential. But sometimes it can be useful to have access to an extra flow of money. For many small businesses, some form of working capital funding gives them valuable breathing space. FARM LOANS AND AGRICULTURAL FINANCE Farm loans and agricultural finance. From livestock to equipment, farms are expensive enterprises to run. Finance can help alleviate cash flow shortfalls and make investing in the business more realistic. 17 June 2019. Whether you own a plot of agricultural land or already run an established farm, it’s likely that you’ll need cash to fund
COMPARE THE BEST UK BUSINESS CREDIT CARDS 1. American Express. Gold Business Card. Maximum credit: N/A – this is a charge card Representative APR: N/A – this is a charge card Fees: Free for the first year, then £125 a year after that Good for: This is a charge card, so it's a good option for business owners that know they will be able to pay back the cash in full when their statement is issued. WHAT DOES LONDON’S ULTRA LOW EMISSION ZONE MEAN FOR SMALL The ULEZ zone is the same size as the pre-existing congestion charge zone – although there are plans to extend out to the north and south circular roads and, eventually to the M25 – and the charge is on top of, not instead of, what you’d normally pay to drive into London. Fees range from £12.50 a day for small vehicles to £100 for IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast and fair decisions.
CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
FLEXI-LOAN FOR BUSINESSES 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. I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OFTYPES OF DEBENTURESDEBENTURES VS SUBORDINATED DEBENTURESDEFINITION OF DEBENTUREEXAMPLES OF DEBENTURES Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. HIRING FREELANCERS VS PERMANENT EMPLOYEES: PROS AND CONS Pros of a permanent employee. While freelancers are flexible, there are benefits to hiring permanent staff to grow with your business. Commitment to your goals. While you can cut ties with a freelancer at a moment’s notice, and vice versa, permanent employees on average stay in a job for five years. That means permanent employees have more to
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. 10 OF THE MOST UNIQUE BUSINESS IDEAS IN BRITAIN The Robin Collective. Playing with food is the name of the game at the Robin Collective (therobincollective.co.uk) – a group composed of, among others, chefs, artists, and entertainers, who take wacky ideas and turn them into edible art. From a Beyoncé cheese sculpture dubbed Brieyoncé (below) to The Grand Beedapest Hotel, a luxury resort IWOCA - BUSINESS LOANS 020 3778 0274. Business loans. Simplified. Borrow £1,000 - £200,000 with a Flexi-Loan: money you can use to buy new stock, . invest in growth plans or just keep your cash flow smooth. Borrow £1,000 - 200,000 with a Flexi- Loan for cash flow, stock or investments. Fast and fair decisions.
CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
FLEXI-LOAN FOR BUSINESSES 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. I’M A FURLOUGHED DIRECTOR, CAN I STILL WORK? Since the Coronavirus Job Retention Scheme (CJRS) opened for applications in March, over 930,000 businesses across the UK have applied. Through the scheme, businesses that have been hit by coronavirus can ‘furlough’ their employees – putting them on temporary leave while receiving a grant for 80% of their monthly wage (up to a maximum of £2,500). DEBENTURES, FLOATING CHARGES & THE DIFFERENT TYPES OFTYPES OF DEBENTURESDEBENTURES VS SUBORDINATED DEBENTURESDEFINITION OF DEBENTUREEXAMPLES OF DEBENTURES Other types of debentures. On top of fixed and floating charge debentures, there are a number of other types of debentures that you might come across: Secured debentures. If you're in the UK, you're most likely to come across secured debentures. As above, this means the lender leverages a borrower's assets to provide security against the loan.
INTRODUCING IWOCAPAY: FINANCE AT THE POINT OF INVOICE Introducing iwocaPay: finance at the point of invoice. We can now provide finance at the point of invoice, for the buyer and seller, to ensure payments can be paid on time – every time. We’re really excited to announce iwocaPay, our brand new product. iwocaPay is designed to help small businesses manage their cash flow by giving them
TRADE FINANCE: EVERYTHING YOU NEED TO KNOW Trade finance makes it easier to move goods around the world and participate in international business. So whether you've recently set up a small business and want to import your first product, or you're looking to expand your business's export trade, it’s important to understand trade finance and how it can help. HIRING FREELANCERS VS PERMANENT EMPLOYEES: PROS AND CONS Pros of a permanent employee. While freelancers are flexible, there are benefits to hiring permanent staff to grow with your business. Commitment to your goals. While you can cut ties with a freelancer at a moment’s notice, and vice versa, permanent employees on average stay in a job for five years. That means permanent employees have more to
LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. 10 OF THE MOST UNIQUE BUSINESS IDEAS IN BRITAIN The Robin Collective. Playing with food is the name of the game at the Robin Collective (therobincollective.co.uk) – a group composed of, among others, chefs, artists, and entertainers, who take wacky ideas and turn them into edible art. From a Beyoncé cheese sculpture dubbed Brieyoncé (below) to The Grand Beedapest Hotel, a luxury resort CORONAVIRUS PETITIONS FOR SMALL BUSINESSES YOU NEED TO 3 petitions to support coronavirus affected small businesses that you could sign today. We’ve highlighted 3 campaigns which are in early stages - i.e yet to reach the number of signatures required for government response. They’re all focused on support for businesses in a specific sector. 1. Support for business owners in the pub industry.
SUPPORT SCHEMES FOR START UPS DURING CORONAVIRUS Financial support for start ups. Younger businesses may find that they are not eligible for some of the support schemes that the government has recently announced, such as the Coronavirus Business Interruption Loan Scheme (CBILS).Check out the alternatives below to see if you could receive funding to help your business through coronavirus. CAREERS | IWOCA
iwoca Ltd, 90 Long Acre, London, WC2E 9RZ. 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).
WHAT IS CBILS AND WHAT CAN IT BE USED FOR? iwoca is an accredited CBILS lender, and are offering loans of between 50,001 and £350,000 through the scheme. With an iwoca CBILS loan, there's no need for a personal guarantee for loans up to £250,000. Above £250,000 the personal guarantee is only attached to 20% of your outstanding loan amount. You won't have to pay anything for the WE’VE SECURED FUNDING VIA THE GOVERNMENT’S FUTURE FUND Since launching in 2012, we’ve lent over £1 billion and made funding available to 50,000 small businesses. iwoca recently entered into a debt funding platform which will allow us to access up to 100m of funds to support new customers through our Coronavirus Business Interruption Lending Scheme (CBILS) offering.. We’ve now also secured funding through the government’s Future Fund LOGIN - IWOCA
Email. Password Forgotten your password?. Log in Or email me a login link instead. Or email me a login link instead. WORKING CAPITAL: AN ESSENTIAL GUIDE FOR SMALL BUSINESS Working capital is the oxygen your business needs to stay afloat and prosper. Managing the movement and use of capital is the first essential. But sometimes it can be useful to have access to an extra flow of money. For many small businesses, some form of working capital funding gives them valuable breathing space. FARM LOANS AND AGRICULTURAL FINANCE Farm loans and agricultural finance. From livestock to equipment, farms are expensive enterprises to run. Finance can help alleviate cash flow shortfalls and make investing in the business more realistic. 17 June 2019. Whether you own a plot of agricultural land or already run an established farm, it’s likely that you’ll need cash to fund
COMPARE THE BEST UK BUSINESS CREDIT CARDS 1. American Express. Gold Business Card. Maximum credit: N/A – this is a charge card Representative APR: N/A – this is a charge card Fees: Free for the first year, then £125 a year after that Good for: This is a charge card, so it's a good option for business owners that know they will be able to pay back the cash in full when their statement is issued. WHAT DOES LONDON’S ULTRA LOW EMISSION ZONE MEAN FOR SMALL The ULEZ zone is the same size as the pre-existing congestion charge zone – although there are plans to extend out to the north and south circular roads and, eventually to the M25 – and the charge is on top of, not instead of, what you’d normally pay to drive into London. Fees range from £12.50 a day for small vehicles to £100 for Insights
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What we're doing to keep supporting small businesses during the Coronavirus outbreak. Coronavirus - what we’re doing. BUSINESS FINANCE. SIMPLIFIED. BORROW £1,000 - £200,000 FOR CASH FLOW, STOCK OR INVESTMENTS. FAST AND FAIR DECISIONS.
Apply now
HOW IT WORKS
------------------------- APPLY IN MINUTES
It takes five 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. WE KEEP OUR PRICES SIMPLE SIMPLE PRICING
------------------------- 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, depending on your business. 6 monthly repayments of £1,866 Total repayment of £11,197(3.33% interest rate per 30 days) Borrow up to £200,000 For up to 12 months
Borrow £10,000
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. Looking to borrow for more than 12 months or need a larger amount? Explore our longer term finance options for your business .
WHY IWOCA?
------------------------- CLEAR PRICES
You'll only pay interest for the days you have your funds. No hidden fees or charges.
REAL PEOPLE
When you call, you'll get straight through to someone in our UK team – we don’t believe in hold music. NO PAPERWORK
Applying for a loan with us takes five minutes. Just connect your accounts and get a decision in minutes. FAIR DECISIONS
We know your business is more than a credit score, so we look at your overall performance when we make our decisions. Get approved for free STEPHEN GEE
GEE SKI LTD
You think you’ve thought of everything, then something else crops up. That’s where iwoca came in, to help us bridge those gaps. IAN HOYOS
CHAMPS BARBERS
When you’re a small business you need to move fast. Dealing with banks is a long process. Dealing with iwoca was definitely a lot more efficient.
CARL DOUGLAS
CARL DOUGLAS RACING SHELLS iwoca’s funding allowed us to get on with the job, when otherwise we would have run into a brick wall. It’s a friendly relationship. The simplest possible process with the greatest help. TRACY SAMBROOK
SEB BREWING
With iwoca, we could keep investing in kit, equipment and a new facility. So we could keep our standards high. TOM SEATON
CRATE BARS LTD.
iwoca was definitely the simplest loan I’ve ever taken out in my life. Last year we launched our product in Tescos and needed more working capital. iwoca helped us do that. JONATHAN HAMP
THERMAPPLY
What I like about iwoca is the quick turnaround. It gives you a sense of security.
50,000 CUSTOMERS (AND COUNTING) We fund all types of business, from cafés to car dealers, from salons to solicitors, from Aberdeen to Yarmouth and everywhere in-between.
TOM HYDE
BREW LAB
We have a good relationship with our bank, but the bank moves really slowly. That’s why iwoca is so useful. They’re very fast and very responsive.
TIM LAW
SIMPLY PLANTS
The process has been easy, uncomplicated and very quick. Their service is excellent with regular contact and support. I highly recommend this company for any business that needs finance. CECILIA DOWNER
NAILS AND COCKTAILS
With iwoca's reasonable rates and amazing staff, we were able to quickly obtain a loan to purchase equipment before our grand opening. Sophie was very supportive and walked us through the process. MASH SERIKI
HEALTHCARE LEARNING LTD The speed at which iwoca can respond to us is critically important for us to put on a fantastic program. They understand that you can blend technology with that human interaction. OLIVIA SMITH
OLIVIA AND PEARL
iwoca was a breath of fresh air. We got an okay on our loan within a couple of days and they went above and beyond to help me get our project off the ground. ALEX HARRIS
BEHIND THIS WALL LTD Borrowing for business can be intimidating but iwoca have always been on hand for me to provide flexible options. They take the stress out of cash-flow issues and allow you to focus on what you do best. WANT TO KNOW MORE?
Here are some questions our customers ask. If there’s anything we haven’t covered here, check our FAQ Will applying affect my credit score? We only run soft credit checks which means applying won’t affect your credit score. But if you decide to draw down funds from us, the loan will show up on your credit report. Can I repay early?
Yep, some of our customers repay early to save on interest. If you want to make extra repayments or pay off your loan early we won't charge you any fees. We don’t believe in hidden fees either, so you’ll never find any sneaky small print surprises. How are you different from a bank? Even though we offer loans, we’re not a bank. We’re an independent company custom-built for small businesses – and our goal is to provide straightforward access to finance where and when your business needs it.
What happens if I can't make a repayment? Let us know as soon as possible if you think you might have payment difficulties, we’ll work together to find a solution. Read more How long does it take? It takes five minutes to apply. If you're applying for less than 15,000, we can give you a decision in seconds. Larger loans take up to 24 hours.
What do your customers use their loans for? Generally, they put the money to short term investments, like extra stock. Or they use it to help with cash flow, like if they're waiting on an invoice.
LOVED BY SMALL BUSINESSES (AND BIG NAMES) READ ABOUT US
------------------------- 4.8 Rating • Excellent QUESTIONS? SPEAK TO A REAL PERSON Small business finance is 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 (8am - 7pm) and Saturday (9am - 3pm). We accept applications over the phone. 020 3778 0274
------------------------- contact@iwoca.co.uk
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contact@iwoca.co.uk
Get approved for free iwoca Ltd, 247 Tottenham Court Road, London, W1T 7QX 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. 10,000
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