Business Finance
Repay as you take card payments.
An advance against future card sales, repaid as a fixed share of daily takings.
- Facility range
- £5,000 to £500,000
- Term
- 4 to 12 months typical
- Speed
- Funds in 24 to 72 hours
- Security
- Unsecured
What it is
It is priced as a factor rate, not an interest rate. Borrow £50,000 at 1.3 and you repay £65,000, taken as an agreed slice of your daily card takings. Quiet month, smaller payment, longer term. Repayments flex directly with trade rather than sitting fixed on a calendar.
It is more expensive than a term loan, and we will say so plainly. If your bank conduct is strong and you can wait a week for a decision, we will tell you to take the loan instead. Merchant cash advance earns its place when speed matters more than headline cost, or when a business cannot evidence income any other way.
Who it suits
- Hospitality, retail and salon businesses with strong daily card volume
- Owners who need funds within 72 hours
- Businesses without the trading history a term loan lender wants to see
- Seasonal traders who want repayments to track footfall rather than a fixed date
Start an enquiry
Tell us what you need to fund.
How it works with us
01
We look at your average monthly card takings across the last three to six months
02
We size the advance against that, not against a credit score
03
Terms return within 24 hours and funds typically land in 24 to 72 hours
04
Repayment is collected automatically as a fixed percentage of daily card sales
Questions
Related products
You might also need.
Business Loans
Unsecured and secured lending against turnover and bank conduct.
£25,000 to £5m
Invoice Finance
Release cash tied up in unpaid invoices, confidentially if required.
Up to 90% of invoice value
Asset Finance
Hire purchase, leasing and refinance on plant, vehicles and machinery.
£5,000 to £10m
Or see the full range of commercial finance we arrange.
