Merchant Funding
Unlock cashflow when you need it most.
A merchant cash advance from £5,000 to £500,000 — repaid as a percentage of your daily card takings. No fixed monthly bills, no surprises.
£0k
max advance
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decisions
0%
fixed cost
How merchant cash advance works
Funding that flexes with your business.
01
An advance, not a loan
You receive a lump sum based on your average monthly card turnover.
02
Repay automatically
A small, agreed percentage of each card sale is collected at source.
03
Quiet months are easier
Repayments scale with takings — when sales dip, so do repayments.
Benefits
Why SMEs choose merchant funding.
No fixed monthly repayments
Repayments flex with your daily takings.
Repay as you earn
A small % of card revenue, automatically.
Fast decisions
Approvals in as little as 24 hours.
No business plan required
Decisions based on card turnover, not paperwork.
£5,000 – £500,000
Sized to your card-takings, not your overdraft.
Are you eligible?
Most UK SMEs qualify.
- Trading for at least 6 months
- UK-registered business
- Process card payments monthly
- Average monthly card revenue £3k+
The process
Three steps to funded.
- 1
Quick application
Tell us your monthly card volume. Two minutes.
- 2
Soft decision
Indicative offer within 24 hours, no impact on credit.
- 3
Funds in your account
Drawn down typically within 48 hours of acceptance.