Love Finance Integrates iwoca API to Enhance UK SME Lending

Love Finance, the UK’s fastest-growing SME lender and broker, has partnered with iwoca, one of Europe’s leading SME lenders, to make it even easier and quicker for small businesses to access finance. The partnership will see iwoca’s API integrated directly into the Love Finance platform, delivering faster decisions and a seamless journey for SMEs.   

This integration marks a key milestone in Love Finance’s mission to make business finance simple and fast. With iwoca’s API, Love Finance can now make lending decisions even faster and more accurately, offering tailored solutions for every SME without compromising on flexibility.   

This partnership comes at a crucial time for UK SMEs, as speed is a key factor when choosing a lender. According to the latest iwoca SME Expert Index, 72% of brokers cite “speed of receiving a decision” as a top deciding factor, highlighting why automated workflows and real-time decisions enabled by iwoca’s API on the Love Finance platform, are so transformative for SMEs.  

iwoca’s technology checks each business’s eligibility in real time, so applicants get faster and clearer answers on their loans.  For SMEs, this means a smoother application journey and access to funding with less waiting and fewer barriers. This integration comes as both companies continue to scale rapidly. Love Finance has funded approx. £400 million in loans for more than 8,000 SMEs across the UK, doubling revenue year on year while remaining profitable and independently founded. Together with iwoca, which has lent over £1 billion to SMEs in 2025, this partnership strengthens both companies’ ability to deliver fast, flexible funding to UK businesses.  

Alex O’Malley, Chief Commercial Officer, at Love Finance comments   

“This partnership reinforces our position as a forward-thinking, agile lender delivering fast and efficient solutions to UK SMEs. Thanks to iwoca’s technology and partnership, we’re able to push our lending speed and transparency even further, making the business finance journey smoother, fairer, and more accessible than ever before.”   

Colin Goldstein, Chief Commercial Officer UK at iwoca comments  

“Every business owner faces moments that matter – and needs quick, reliable support. By partnering with Love Finance, we’re making it easier for SMEs to access fast, flexible funding exactly when they need it, empowering them to focus on growing their businesses with confidence.”  

This announcement highlights Love Finance’s utilisation of technology to simplify and accelerate SME lending, perfectly accompanying the recent £45m funding they have secured to expand access to business funding. SMEs applying for loans can now receive faster and more transparent responses, making the application process smoother and more efficient.  

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