Turn future card sales into capital today.
A lump sum up front, repaid automatically as a small percentage of every card transaction you take. Built for businesses that live on the till, restaurants, salons, cafés, retailers, garages.
A merchant cash advance is one of the most flexible facilities a card-taking business can use. There’s no fixed monthly repayment, instead, repayments come out of card sales as you make them, so quieter weeks mean smaller repayments and busier weeks settle the balance faster.
Set-up is simple. We work with all major UK card terminal providers, and most advances are decided within hours and funded within 24.
Best suited for
- Restaurants, cafés, pubs and hotels
- Salons, barbers, spas and clinics
- Independent retailers and convenience
- Garages, MOT centres and forecourts
How it works
Share your card statements
We need three to six months of terminal statements to understand your card turnover.
Receive your offer
We’ll quote an advance amount, a single fixed fee and a repayment percentage that suits your margins.
Trade as normal
Once you accept, the funds land in your account and repayments come out of card sales automatically.
Eligibility at a glance
A short list of what we typically look for. Most UK limited companies and partnerships qualify.
- UK-registered business
- Accept card payments via terminal or online
- Minimum £5,000 monthly card turnover
- Trading for at least 4 months
- 3–6 months of recent merchant statements
- UK business bank account
Built on the same controls you’d expect from your bank.
We hold ourselves to the standards UK regulators expect of consumer finance, even though commercial lending sits outside the FCA perimeter.
Data controller no. ZB984210. Handled to UK GDPR standard.
Bank-grade transport security on every page and submission.
Read-only access via FCA-authorised providers. Revoke any time.
Funds flow through ring-fenced UK banking facilities.
Eligibility checks leave no footprint on your credit file.
No exit penalties on most products. Costs disclosed up front.
Frequently asked
Do I need to change my card terminal provider?
In most cases, no. We work with all major UK acquirers and terminal providers, your customers and tills carry on exactly as before.
How is the cost calculated?
You agree a single fixed fee at the start (e.g, borrow £20,000, repay £24,000). There’s no compounding interest and no variable rate.
What happens in a quiet month?
Repayments are a fixed percentage of card sales, so if takings drop, your repayment that month drops in line. It always stays affordable.
Can I top up partway through?
Yes. Once you’ve repaid around half of the advance you can typically top up, often with improved terms based on your repayment history.
Ready to see what you qualify for?
It takes two minutes and there’s no impact on your credit score.
Start eligibility check