Retail and hospitality
Shops, cafés, bars and restaurants taking most of their revenue by card.
Funding that moves with your takings.
Repayments come out as a share of your card sales rather than a fixed monthly figure, so quiet weeks cost you less.
What businesses actually use it for.
Salons and clinics
Appointment-led businesses with steady card takings week to week.
Seasonal traders
Repayments ease off in quieter months and pick up when trade does.
Fit-out and refurbishment
Refresh the premises, with repayments linked to future card sales.
Built around how card businesses actually trade.
If most of your income arrives by card, a fixed repayment can bite hard in a slow week. A merchant cash advance flexes with takings instead, so busier periods clear the balance faster. Lenders lean on card turnover history here, which means a steady trading record counts for more than a long balance sheet.
- Suited to businesses with regular card revenue
- Repayments move in line with card takings
- The total cost is agreed upfront rather than as an interest rate
- Card processing history is usually required
All finance is subject to status, lender criteria and affordability. Security or a personal guarantee may be required. Late or missed payments may affect your credit profile and put business or personal assets at risk.
Let's find out what's actually available.
Tell us what you are planning and we will come back with a straight answer. No obligation, no effect on your credit score.