Fast, flexible
business loans.
Fast, flexible
business loans.
Apply for a business loan from £1,000.
In partnership with award-winning lender, iwoca.
Power your growth.
Planning an expansion. Boosting your inventory. Navigating cash flow challenges. Whatever’s on the to-do list, access to quick, flexible funding could make all the difference.
That’s why we’ve partnered with award-winning digital lender iwoca to offer Starling business customers fixed-term loans from £1,000, with predictable monthly repayments. You can check your eligibility without affecting your credit score.
Starling bank is not a lender. Loans are provided by iwoca.
Fast decisions.
No hidden fees.
Speed.
Apply with iwoca, through your Starling account, in just five minutes. You’ll get a decision typically within 24 hours (often faster!) and if you’re applying for up to £100k, you could receive an instant decision.Flexibility.
Repay at a pace that suits you. There are no early repayment fees – overpay or settle whenever you like, with no extra fees. Estimate your loan costs.Simplicity.
The process is entirely online, with no paperwork – and checking your eligibility won’t affect your credit score.
How to apply for a small business loan:
A seamless journey from application to payout.
Check your eligibility.
If you’re eligible, you’ll find the ‘Loans’ option in the account menu of your Starling app, or in Online Banking. You can then start your application in minutes, with no impact on your credit score.Get an instant decision.
Your details are securely processed by iwoca for a fast lending offer.Access your funds.
Accept your offer and receive the funds directly into your Starling business account.
Is this loan right for my company?
UK-registered.
You’ll need to be a UK-registered limited company with a Starling business account.Unsecured loan.
You want an unsecured business term loan between £1,000 and £1,000,000.Flexible capital.
You need flexible capital for cash flow, equipment, or growth.
What’s my interest rate?
You can get an estimate with iwoca’s calculator, and discover your final rate on application. Monthly interest rates start from 1.5%.
Representative example: Borrow £10,000 over 12 months at a fixed rate of 3.33% per 30 days (49% APR representative). Your monthly repayments would be £1,025, with a total amount repayable of £12,294 over the full term. There are no early repayment fees, and you only pay interest for the days you borrow. Your actual rate and repayment amount will vary based on your circumstances.
“Everyone else made me feel like I wasn’t doing anything.
iwoca looked at what I was building and got it.”
Mark says iwoca gave him the flexibility to hire ahead of revenue.
When cash flow is tight between jobs, he can bridge the gap, then repay as soon as clients settle.
Mark Natthan, Founder, CQD Cleaning Services
Apply for your business loan with iwoca today.
Flexible terms. Fast decisions. Flexible repayments.
Log in to Online Banking