iwoca provides short-term finance to SMEs based in the UK, Poland, Spain and Germany. They offer flexible credit to small businesses across Europe, allowing them to take advantage of opportunities previously only available to their larger peers. They use technology to eliminate the cost and complexity associated with traditional business finance and offer instant decisions and have no upfront fees, no lengthy forms and no long-term commitments. Technology has allowed iwoca to build a revolutionary risk model that understands any small business based on its trading data.