Love Finance launches iwoca API integration for SME loans

December 2, 2025

Love Finance, the UK’s fastest-growing SME lender and broker, has partnered with iwoca, one of Europe’s leading SME lenders, to enhance access to fast and flexible finance for small businesses.

Founded in 2016, Love Finance offers a mix of direct lending and brokerage services designed to simplify business funding.

The integration of iwoca’s API aims to accelerate loan decisioning and streamline the application journey for SMEs. Love Finance sees this as a key step towards its mission of making business finance simple and fast, enabling more accurate and tailored lending decisions without compromising flexibility.

Love Finance provides SMEs with fast access to funding through technology-driven processes, allowing businesses to enquire in 60 seconds, check eligibility in five minutes and receive funding in as little as four hours. The company has funded approximately £400m in loans for more than 8,000 SMEs across the UK while maintaining profitability and independent ownership.

The new API-powered solution delivers automated eligibility checks and real-time decisioning. This enhanced lending workflow also reflects evolving broker expectations—iwoca’s SME Expert Index shows that 72% of brokers cite decision speed as a top factor when selecting a lender.

Love Finance chief commercial officer Alex O’Malley said, “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.”

iwoca chief commercial officer UK Colin Goldstein said, “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.”