Customer overview

Create an iwoca account for a business customer. You provide company and director details, and receive a customer_id used in all subsequent requests.

Essentials

1. 1
   Include minimum data

   The following data is the minimum needed to make a decision and the complete set needed for an automated decision. Missing data means no automated decisions or indicative offers.

   Category	Fields
   Personal information	First name, Last name, Role within business (director), Email(s), Phone number(s), Date of birth, Residential address, Privacy policy agreement
   Business information	Company name, Company number, Company type, Trading from date, Last 12 months turnover
   Request information	Amount

2. 2
   Set the applicant role

   Exactly one person must have "roles": ["applicant", "director", "guarantor"]. The applicant must be a director who can provide a personal guarantee.

Avoiding duplicate customers

Duplicate customers cause delays because our team often needs to review them manually. Avoid submitting multiple duplicate requests to iwoca for the same customer.

Handle this on your end by preventing the same customer submitting a POST request to /customers/ multiple times. As a safeguard, you can also pass your own unique identifier (for example, your internal user or company ID) in the external_customer_id field. If you send a second POST /customers/ with the same external_customer_id, iwoca returns a 409 Conflict response containing the original customer_id rather than creating a duplicate:

{
  "errors": [{
    "code": "ConflictError",
    "detail": "external_customer_id already exists",
    "meta": {"customer_id": "894ff74b-b8fb-46ab-97d6-f9ff3428b779"}
  }]
}

Reference