Business Funding
Flexible funding, powered by your card sales.
Borrow against future card takings with a merchant cash advance from our funding partner YouLend. One fixed fee, repayments that flex with your trade, and money in your account within 24 hours.
Lower Fees, Faster Payments & Personal Service
370,000+
businesses funded
£9bn+
deployed to SMEs
9 in 10
applicants approved
24 hrs
from apply to funded
Funding partner
In partnership with YouLend — Europe's leading embedded SME lender.
We've placed our business funding with YouLend so our customers get the same fast, flexible cash advances trusted by Amazon, eBay, Just Eat and Dojo
1
Tell us about your business
Complete a short online application. No business plan, no physical paperwork — we just need a few months of card statements.
A merchant cash advance is a lump sum loaned against your future card sales. You repay automatically as a small, agreed percentage of each transaction — no fixed monthly bills, no interest, no surprises.
Apply in minutes. Funded in 24 hours.
2
Get approved fast
We assess your card takings and have an indicative offer ready in as little as 24 hours. 9 in 10 applicants are approved.
How it works
3
Funding in your bank!
Once approved the funds can be in your bank in under 24 hours.
Apply in minutes. Funded in 24 hours.
Apply in minutes. Funded in 24 hours.
How it works
A merchant cash advance is a lump sum loaned against your future card sales. You repay automatically as a small, agreed percentage of each transaction — no fixed monthly bills, no interest, no surprises.
Apply in minutes. Funded in 24 hours.
How it works
A merchant cash advance is a lump sum loaned against your future card sales. You repay automatically as a small, agreed percentage of each transaction — no fixed monthly bills, no interest, no surprises.
What you can use it for
Capital to invest in whatever moves the needle.
No restrictions on how you spend it. Use your advance to fund growth, smooth out cash flow or seize a one-off opportunity.
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Refurbish your premises
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Buy new equipment or stock
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Hire and train staff
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Cover seasonal cash flow
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Launch marketing campaigns
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Open an additional site
Worked example
£25,000 advance
Fixed fee
£3,000
Total repayment
£28,000
% of card takings
12%
9–12 months
Typical term
Illustrative only — your offer depends on monthly turnover, trading history and card volume. Subject to approval by our funding partner YouLend.
Designed for the way real businesses trade.
WHY CHOOSE US
Quick decisions and fast payouts — most approved customers see funds in their account within one working day.
Funded in 24 hours
Pay back as a small, agreed percentage of your future card takings. Busy month — more paid. Quiet month — less.
Flexible repayments
A single fixed fee agreed up front. No compounding interest, no hidden charges, no surprises.
One fixed fee
No personal assets, property or guarantors used as security. Decisions are based on your card performance.
Unsecured funding
Built to grow
Funding from £3,000 up to £1m+ depending on your monthly card turnover, with the option to top up as you repay.
£3k to £1m+
1
6+ months trading
Your business has been trading for at least six months with consistent card sales.
Do you qualify?
2
£5k+ monthly card sales
You take a minimum of £5,000 per month through your card terminal or online.
Eligibility
3
UK registered
You're a UK-based limited company, sole trader or partnership.