iwoca - About the company
iwoca is a series D company based in London (United Kingdom), founded in 2011 by Christoph Rieche and James Dear. It operates as a Provider of flexible business loans and credit card payment services. iwoca has raised $84.3M in funding from investors like Prime Ventures, Intesa Sanpaolo and Beyond Digital Solutions, with a current valuation of $*****. The company has 118 active competitors, including 12 funded and 9 that have exited. Its top competitors include companies like Liberis, Taulia and Liquidity.
Company Details
Provider of flexible business loans and credit card payment services. These financial products allow businesses to access working capital for operational expenses and equipment purchases. The lending model enables borrowers to draw funds as needed and repay balances based on individual cash flow requirements. Applications involve a review of business financial documentation to determine eligibility and credit limits. Borrowers may manage accounts through an online interface to monitor outstanding balances and repayment schedules. The service requires a personal guarantee from company directors to secure the financing.
- Website
- www.iwoca.co.uk/
- Social
- Email ID
- *****@iwoca.co.uk
- Phone Number
- +44 **********
- Registered Address
- 10 Queen Street Place, London, United Kingdom, EC4R 1AG
Key Metrics
Founded Year
2011
Location
London, United Kingdom
Stage
Series D
Total Funding
$84.3M in 17 rounds
Latest Funding Round
Post Money Valuation
$***** as on Oct 24, 2016
Investors
Ranked
3rd among 118 active competitors
Annual Revenue
£100M - £500M as on Dec 31, 2023
Employee Count
605 as on Jul 31, 2026
Legal entities associated with iwoca
iwoca is associated with 1 legal entity given below:
Legal Entity Name | Date of Incorporation | Revenue | Latest Employee Count | Documents |
|---|---|---|---|---|
IWOCA LTD CIN: 7798925 , Germany, Active | Oct 04, 2011 | £100M - £500M (As on Dec 31, 2023) | 432 (As on Dec 31, 2024) |
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iwoca's funding and investors
iwoca has raised a total funding of $84.3M over 17 rounds. Its first funding round was on Aug 10, 2012. Its latest funding round was a Conventional Debt round on Jul 27, 2026 for $*****. 1 investor participated in its latest round. iwoca has 28 institutional investors and 12 angel investors.
Here is the list of recent funding rounds of iwoca:
Filter this list
Filter this listDate of Funding | Funding Amount | Round Name | Post-Money Valuation | Revenue Multiple | Lead Investors | Other Investors |
|---|---|---|---|---|---|---|
Jul 27, 2026 | 8941325 | Conventional Debt | 3287931 | 9955548 | 5336374 | 6228633 |
Nov 11, 2024 | 1593157 | Conventional Debt | 9100077 | 9076597 | 4838203 | |
May 07, 2024 | 4140858 | Conventional Debt | 8176527 | 4252593 | 2766030 |
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iwoca's founders and board of directors
Founder? Claim ProfileHere are the details of iwoca's key team members:
- Christoph Rieche: Co-Founder & CEO of iwoca and founder of 3 other companies, Iwoca.ES, Iwoca and Iwoca. They serve on the board of 1 company.Contact Info: 1 email address
- James Dear: Co-Founder of iwoca. They serve on the board of 1 company.Contact Info: 1 email address
iwoca's Board of Directors
iwoca's board has 9 active members. Christoph Rieche, James Dear, Frank Seehaus and Jonathan Mark Schneider are part of team and Alastair John Ivor Cookson, Tim Charles Levene, Eamon ODwyer, Joost Holleman and Petrus Bartholomeus Ludovicus Maria Welten are independent board members.Here is the list of iwoca's board of directors:
Name | Type | Representing | Status | Duration |
|---|---|---|---|---|
Team | - | Current | 14y 10m | |
Team | - | Current | 14y 8m | |
mtvfjpa | Team | - | Current | 8y 9m |
Investor | Acton Capital | Current | 11y 1m | |
fivjfcy | Investor | wje{uar | Past | 8y 2m |
efoitbi | Investor | dbswtkr | Past | 5y 6m |
wklml{u | Investor | - | Past | 9y 4m |
Independent board member | - | Current | 12y 7m | |
meovvmc | Independent board member | - | Current | 1y 3m |
salnqmz | Independent board member | - | Current | 1y 6m |
zutszzg | Independent board member | - | Current | 7y 7m |
phjqrkx | Independent board member | - | Current | 4y 4m |
ztbmckf | Independent board member | - | Past | 6y 1m |
oebjpil | Independent board member | - | Past | 2y 7m |
dwexwcc | Independent board member | - | Past | 3y 1m |
View details of iwoca's Founder profiles and Board Members
iwoca's employee count trend
iwoca has 605 employees as of Jul 26. Here is iwoca's employee count trend over the years:
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iwoca's Competitors and alternates
Top competitors of iwoca include Liberis, Taulia and Liquidity. Here is the list of Top 10 competitors of iwoca, ranked by Tracxn score:
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Rank | Company Details | Short Description | Total Funding | Investors | Tracxn Score |
|---|---|---|---|---|---|
1st | Liberis 2007, London (United Kingdom), Acquired | Provider of embedded finance solutions for small businesses | $135M | 76/100 | |
2nd |  Taulia 2009, San Francisco (United States), Acquired | AI-based electronic invoicing and supply chain management solution for businesses | $220M | 73/100 | |
3rd | iwoca 2011, London (United Kingdom), Series D | Provider of flexible business loans and credit card payment services | $84.3M | 70/100 | |
4th | Liquidity 2018, London (United Kingdom), Series C | Provider of debt financing for growth stage technology business entities | $120M | 69/100 | |
5th |  SAPI 2019, London (United Kingdom), Series A | Lending as a service platform for business financing | $14.6M | 62/100 | |
6th |  Liberis 2007, London (United Kingdom), Late Stage | Provider of embedded finance solutions and working capital for small businesses | $68.3M | - | 56/100 |
7th |  Growth Lending 2011, London (United Kingdom), Unfunded | Online platform offering diversified business loans | - | - | 53/100 |
8th |  YouLend 2015, London (United Kingdom), Funding Raised | Online lending platform for business loans | - | 53/100 | |
9th | Fleximize 2014, Ipswich (United Kingdom), Funding Raised | Online platform offering business loan solutions | - | 49/100 | |
10th |  Lenkie 2020, London (United Kingdom), Series A | Provider of working capital loans for platform-based businesses | $5.06M | 46/100 |
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iwoca's Latest cap tables and shareholding
Founders own 22.80%, Funds (largest shareholder) own 58.80%, Enterprises own 8.60% and Angels own 3.30%. The net worth of iwoca's founders is INR 23.4M as of Oct 24, 2016.
Shareholders Name | Post Round Holding % | Net worth | Cumulative Investment | Realised Returns | Unrealised Returns | Return Multiple |
|---|---|---|---|---|---|---|
Founder | 22.80% | 23.4M | 3115186 | 4046575 | 1918579 | 5337013 |
6752608 | 7975477 | 3615237 | 1747135 | 6781524 | 3637173 | |
5938156 | 6498864 | 7561436 | 2309399 | 6406828 | 2927583 | |
Fund | 58.80% | 339M | 5734058 | 2662396 | 8304338 | 5173946 |
Enterprise | 8.60% | 28.8M | 5048696 | 8265214 | 5601363 | 9125495 |
Angel | 3.30% | 3.4M | 780 | 642 | 740 | 158 |
Total | 93.50% | 39.5Cr | 7907254 | 5377964 | 9515543 | 7707017 |
To unlock detailed Cap Table of iwoca Sign up today!Notes: The column Net Worth represents the net worth of investments made by that entity, as per the latest cap table.
DisclaimerView more details of iwoca's Shareholding
iwoca's Investments and acquisitions
iwoca has made no investments or acquisitions yet.
Reports related to iwoca
Here is the latest report on iwoca's sector:
News related to iwoca
Filter this listMedia has covered iwoca for a total of 5 events in the last 1 year, 2 of them have been about partnerships and 1 about company updates.
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Iwoca Explores Exit Options: Fintech Unicorn Weighs IPO or Sale Amidst Market Expansionmanager magazin•Aug 05, 2026•iwoca, Qatalyst Partners
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Love Finance Integrates iwoca API to Enhance UK SME LendingFintech Finance•Dec 03, 2025•Lovesfinancial, iwoca
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Zempler and iwoca partner to widen access to SME financeLeasing Life•Oct 30, 2025•Zempler Bank, iwoca
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iwoca Teams up With Teya to Offer Loans to Thousands of Business OwnersThe Fintech Times•Aug 16, 2025•Teya, iwoca
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UK SMEs increasingly opt for alternative financing over traditional banks: iwocaLeasing Life•Aug 12, 2025•iwoca
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Lending Standards Board Adds SME Lender Iwoca to Business Standards RegistrationFintech Finance•Nov 28, 2024•iwoca
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SME Lender iwoca Secures New £200m Funding Led by Citi – Increasing Investment in the Business to Almost £1.5bnFintech Finance•Nov 11, 2024•iwoca, Pollen Street Group, Varde Partners, Barclays and 13 others
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Iwoca mulls bigger loans and international expansion amid surge in demandCity A.M.•Jun 03, 2024•iwoca
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