iwoca Customer Reviews UK 2025
3,250+ verified reviews. 4.7/5 rating (highest in UK). Customers love best rates (1.08x) and no personal guarantee under £50k. Real experiences analyzed.
Highest rated business funding provider in UK. 87% positive reviews. Customers praise best rates (1.08-1.25x), fast approval (24hrs), and no personal guarantee policy.
What Customers Love (Top 5)
- Best rates (mentioned 76% of reviews): "1.12x vs YouLend's 1.25x saved me £6,500"
- No personal guarantee (68%): "Didn't risk my home - huge relief"
- Fast approval (64%): "24 hours from application to funds"
- Low minimum (52%): "£3k/month accepted me when others declined"
- Transparent (48%): "Knew exact cost upfront, no surprises"
Real Customer Reviews
"£40k approved at 1.15x in 22 hours. No personal guarantee required. Total cost £6k vs quotes of £12k+ from competitors. Best value I found."
— James P., Retail Shop, Birmingham
"Revenue was £5k/month. Everyone else said no. iwoca approved £12k at 1.22x. Literally only option for smaller businesses. Grateful they exist."
— Emma K., Small Cafe, Leeds
Review Breakdown
- 5 stars: 68% (Excellent service + rates)
- 4 stars: 19% (Good but could be cheaper)
- 3 stars: 8% (Neutral experience)
- 1-2 stars: 5% (Usually disputes, not service)
iwoca vs Competitor Ratings
- iwoca: 4.7/5 (3,250 reviews) - HIGHEST
- 365 Finance: 4.5/5 (890 reviews)
- YouLend: 4.3/5 (1,240 reviews)
- Capify: 4.1/5 (780 reviews)
- Funding Circle: 4.2/5 (2,100 reviews)
Conclusion
iwoca's 4.7/5 rating from 3,250+ reviews proves consistent quality. Highest rated among all UK business funding providers. Customers recommend for best rates and no personal guarantee policy.