Wonga.com

Wonga is transforming the UK's £200 bn personal credit market by offering small, ultra-flexible cash loans that arrive in your account within 15 minutes. The loan application couldn't be more simple. Applicants go through the website or handy iPhone app to decide precisely how much cash they want, from £1 to £1,000. They can borrow the cash for up to 30 days. The sophisticated risk and decision technology behind this simple-looking facade is making big waves in the tech and finance world - it's the world's first automated and real-time loan processing solution. No surprise then that Wonga has gained investment from heavyweights Balderton Capital, Accel Partners and Greylock Partners.

• Disrupting the vast and well-established lending market
• Service outcompetes banks in speed and flexibility
• Donate £1 to micro-finance social enterprise Kiva for each loan ordered