iwoca AI Lending

iwoca AI Lending is a UK-based fintech platform that uses machine learning and alternative data to make instant credit decisions for small business loans and revenue-based financing. Its AI underwriting model analyzes real-time business performance data from connected bank accounts, accounting software, and payment processors to assess creditworthiness more accurately and inclusively than traditional credit scoring models. iwoca AI enables SMEs that are underserved by traditional banks to access working capital within hours, supporting business growth with data-driven lending decisions rather than collateral requirements.