iwoca Lending API
Public API documentation for iwoca's Lending API (UK). Integrate embedded business lending into your platform.
Guides
- Funding account details — Pre-populate customer bank account information to streamline drawdown
- Prequalification — Show customers personalised loan amounts before they apply
- Repayment Schedule — Generate detailed repayment breakdowns to help customers plan their cash flow
- Sharing documents — Upload documents and bank statements to improve outcomes for your customers
- Broker integration guidance — How iwoca works for brokers and hybrid partners
- API versioning policy — How iwoca manages API versions, upgrades, and deprecation
- Developer Services Licence Agreement — Terms and conditions for using iwoca's Developer Services and Lending API
- FAQs — Frequently asked questions about the iwoca Lending API
- UX guidance — Screen-by-screen guidance for building your customer-facing lending journey
- Build with AI — Use AI coding tools to build your iwoca integration faster
- Access the API — How to authenticate with the iwoca Lending API
- Our product: Flexi-Loan — Understanding iwoca's flagship flexible credit facility for small businesses
- Introduction to iwoca — Learn about iwoca's embedded lending platform for partners
- API Plus — Build a fully customised lending experience where customers see offers from within your platform
- No-code link — Offer your customers iwoca lending in minutes – just share a link
- Overview — Choose how to integrate iwoca's business lending into your platform
- API Lite — Collect customer information in your platform and refer them to iwoca
- API Plus testing — Test scenarios and data for the API Plus integration
- Go live — Submit your integration for review and launch to production
- Test your integration — Test your integration in the sandbox environment before going live
- API Lite testing — Test scenarios and data for the API Lite integration
- Event types — Available webhook events, when they fire, and example payloads
- How webhooks work — Receive real-time notifications when application statuses change
- Security — Verify webhook signatures and handle retries
API reference
- Application overview — Application statuses, update rules, and key constraints
- Customer overview — Key requirements and best practices for creating customers
- Developer Portal overview — Invite team members to your partner developer account
- Documents overview — Upload formats, timing, and JSON bank statement structure
- Funding account details overview — Specify where iwoca should send funds
- Fundings overview — Retrieve draw down history for a customer
- Introducers overview — Manage introducer records associated with your partner account
- Login link overview — Generate single-use magic links for customer access
- Offers overview — Offer types, data requirements, and retrieval strategies
- OpenAPI schema — Download the machine-readable OpenAPI 3.1 schema for the Lending API
- Overview — Authentication, base URLs, and endpoint flows by integration type
- Prequalification overview — Upload customer data for pre-screening before a full application
- Repayment schedule overview — Month-by-month repayment breakdowns for offers
- Offer selection overview — Selecting offers for customer draw down
- Webhooks overview — How to receive real-time events from iwoca, and the endpoints that manage them
Machine-readable
- llms.txt — index of every page
- llms-full.txt — every page in one file
- openapi.json — the OpenAPI 3.1 schema
- sitemap.xml — every published URL