| 词条 | Iwoca |
| 释义 |
|name = iwoca |logo = Iwoca Logo Wiki.svg |logo_caption = |url = {{URL|iwoca.co.uk}} |type = Financial Services |registration = Required |language = English |owner = Privately Held |author = {{Unbulleted list|Christoph Rieche|James Dear}}[1] |launch_date = {{Start date and age|2011|10|05|df=y}} |current_status = Active }} iwoca Ltd. ({{IPAc-en|ɪ|ˈ|w|ɒ|k|ə}}) is an online FinTech company based in London. It offers credit facilities to small businesses trading in the UK, Poland and Germany via an automated lending platform. CEO Christoph Rieche and CTO James Dear founded iwoca in October 2011 and the company started trading in March 2012. iwoca initially offered credit exclusively to e-commerce businesses. However, in April 2014 it expanded its criteria and started to lend to all types of small businesses. iwoca provides loans of up to £150,000 and uses various machine learning models to automatically assess businesses based on data taken directly from eBay, Amazon, PayPal, Sage Pay, business bank accounts and other online and offline platforms.[1] This follows a similar model to that used by Kabbage in the United States.[2] A 3% monthly interest rate and maximum loan term of 12 months are typical.[3] In December 2014, iwoca announced that it had lent almost £30 million across 5,000 transactions in the UK and Poland.[4] In July 2015 it was reported to have seen 250% year-on-year growth in issuance.[5] Historyiwoca is funded by private investors and venture capitalists.[1] In January 2014 it announced that it had raised £5 million in investment from Global Founders Capital and Redline Capital Management, to be used for UK and European expansion.[6] In July 2015 it announced that it had raised $20 million equity from investors including CommerzVentures and venture capital firm Acton Capital Partners in its Series B round.[7] By the end of 2017, the firm has provided more than £350 million to 15,000 companies.[8] The firm has integrated its credit API with the Tide bank.[8] In February 2019, the company has raised nearly $194 million through a Series D funding round.[9] AwardsIn 2012 iwoca won a Smarta 100 award as one of the most disruptive small businesses in the UK.[10] Since then they have been selected by UK Startup Awards as a Top Twenty UK Startup[11] and won the Wired Money Startup Pitch.[12] In May 2015 iwoca was selected as the Alternative Lender of the Year for Commercial Credit in the Credit Today awards.[13] References1. ^1 2 {{Citation | last1 = Amy | first1 = Wilson | last2 = | first2 = | title = Iwoca's capital way to assist eBay traders | newspaper = The Daily Telegraph | date = September 11, 2012 | url = https://www.telegraph.co.uk/finance/businessclub/9534160/Iwocas-capital-way-to-assist-eBay-traders.html | access-date = March 15, 2019 }} 2. ^{{cite web|url=https://www.forbes.com/sites/davidprosser/2014/01/14/iwoca-and-ezbob-battle-it-out-for-britains-online-traders/|title=Iwoca And Ezbob Battle It Out For Britain's Online Traders|first=David|last=Prosser|date=January 14, 2014|work=Forbes|accessdate=March 15, 2019}} 3. ^{{cite web|url=http://www.iwoca.co.uk |title=iwoca UK homepage |publisher=iwoca |date= |accessdate=3 August 2015}} 4. ^"iwoca launches in Spain to meet demand for small business financing", 18 December 2014. Retrieved on 3 August 2015. 5. ^"London fintech startup iwoca just got $20 million from German investors, 30 July 2015. Retrieved on 3 August 2015. 6. ^{{cite web|author=Catherine Shu |url=https://techcrunch.com/2014/01/09/e-commerce-business-lender-iwoca-raises-8-2m-to-expand-in-the-uk-and-europe/ |title=E-Commerce Business Lender iwoca Raises $8.2M To Expand In The UK And Europe | Techcrunch |publisher=Techcrunch.com |date= |accessdate=11 July 2014}} 7. ^"iwoca raises $20 million to accelerate growth", 30 July 2015. Retrieved on 3 August 2015. 8. ^1 {{Citation | last1 = Peter | first1 = Lee | last2 = | first2 = | title = Iwoca’s growth shows SME hunger for credit as banks withdraw | newspaper = euromoney.com | date = March 16, 2018 | url = https://www.euromoney.com/article/b17c1cfty3pffn/iwocas-growth-shows-sme-hunger-for-credit-as-banks-withdraw | access-date = March 15, 2019 }} 9. ^{{cite web|url=https://www.pymnts.com/news/b2b-payments/2019/alternative-small-business-lending-investment/|title=SMB Lender iwoca Raises $194M|date=February 19, 2019|website=pymnts.com|accessdate=March 14, 2019}} 10. ^{{cite web|author=Mike |url=http://www.smarta.com/smarta100/2012/iwoca |title=Iwoca - Smarta 100 Winner 2012 | Smarta 100 |publisher=Smarta.com |date= |accessdate=8 November 2012}} 11. ^{{cite web|author=Jeffrey |url=http://startups.co.uk/iwoca/ |title=iwoca - Startups |publisher=Startups.co.uk |date= |accessdate=29 October 2013}} 12. ^{{cite web|author=Jeffrey |url=https://www.wired.co.uk/news/archive/2013-07/01/iwoca |title=Meet Iwoca, winner of Wired Money's Startup Pitch Stage |publisher=Wired |date= |accessdate=29 October 2013}} 13. ^"Credit Today Awards - 2015 Winners", 12 May 2015. Retrieved on 3 August 2015. External links
3 : Financial services companies of the United Kingdom|Companies established in 2011|Companies based in the London Borough of Camden |
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