To apply for a loan with Iwoca through Penta, your company must

  • have a business account with Penta
  • Have been in operation for at least 2 months
  • have more than 22.000 € annual turnover
  • be a company registered in Germany

The valuation of the operating assets and the company performance serve as collateral. Iwoca queries the SCHUFA of the directors when applying for credit. As a rule, the submission of the bank statements of the last months as well as the submission of a BWA or an annual financial statement is required.

Click here to apply for a loan with Iwoca.

If you have any further questions, our customer service will be happy to help you from 9:00 a.m. to 6:00 p.m. weekdays by phone at +49 30 255 585 803 or by e-mail at

You can also find more information in the FAQs of Iwoca.