API Lite

Integrate iwoca's lending by collecting customer information in your platform, then referring the customer to iwoca to view their decision and complete the final steps. API Lite strikes a good balance between impact and effort – you reduce customer friction without building complex UI.

Prerequisites

Before you begin, make sure you have:

• Access to our Partner Developer Portal, where you can get your API token for the sandbox environment.

Integration steps

1. 1
   Create a customer

   Send your customer's contact information to iwoca.

   POST /customers/

   You'll need:

   • Company details (for example, registration number, name, turnover in last 12 months, VAT status)
   • Applicant details (name, email, phone, address, date of birth)

   Response: You'll receive a customer_id to use in subsequent requests. Store it — you'll need it later.

   See the Customer overview for full field requirements.

2. 2
   Submit an application

   Send your customer's product request information.

   POST /customers/{customer_id}/applications/

   You'll need:

   • Loan amount (£1,000–£1,000,000)
   • Loan duration (optional)
   • Purpose of funds (optional)

   Response: You'll receive an application_id and the application status. Store it — you'll need it later.

   This creates the application, which allows iwoca to start the credit decision. One of our Account Managers will reach out to you or your customer (according to your contact strategy — the agreed plan for who iwoca contacts and how).

   See the Application overview for details.

3. 3
   Retrieve a login link

   Generate a secure link that allows the customer to view their application or offer on iwoca's website directly, with a single click.

   GET /customers/{customer_id}/login_link/

   Response: You'll receive a single-use URL.

   This redirects your customer to iwoca's platform. Depending on their assessment, they'll either upload additional documents or accept an offer and draw down the funds.

   See the Login link overview for details.

Next steps