Scale your business in a few clicks

Our merchant cash advances start at £1,000 and go up to £50,000, and we’ll lend up to two times your monthly revenue. You can have different revenue streams at once, like e-commerce, card processors or platforms.

There’s no paperwork or long processes. Just link your bank account with Open Banking – we’ll take a look at your revenue and get back to you within 24 hours.

There isn't one. Instead, you'll pay a fixed amount upfront – so from start to finish, you'll be clear on what your Merchant Cash Advance costs (typically between 6-12%). Here's an example:

Amount: £50,000 Fixed fee: 12% Total Cost: £56,000

Based on your revenue, you’ll repay monthly: lower repayments in slow months, higher repayments in busy months. As long as you’re covering 12.5% of your full loan every three months – that’s the minimum – repayments are at your pace.

Here’s how that could look

Let’s say your total repayable amount is £20,000 (what you borrowed and our fee). You share 20% of your revenue with us each month. That means your minimum repayment is £2,500 every three months.

• Month 1: Your revenue is £5000, so you repay £1000
• Month 2: Your revenue is £5000, so you repay £1000
• Month 3: Your revenue is £4000, so you repay £800

Across three months, you’ve repaid £2800 – comfortably above your minimum repayment amount.

If you take card payments (or any kind of revenue online), Merchant Cash Advance could work for you – and it’s particularly useful if you’re in eCommerce, retail or hospitality.

We accept any type of company, including sole traders. You need to have been trading for at least three months, make at least £1000 a month in revenue and have access to online banking with Barclays, HSBC, Lloyds, Natwest, or Santander.

We cover most revenue streams. Here are some well-known eCommerce names- like Amazon, eBay, Shopify or Etsy. Or perhaps you make sales using card processors like Stripe, FDMS, Barclaycard, Elavon, Worldpay, Square, or PayPal, and if you sell on platforms like Deliveroo, UberEats or JustEat, we've got you covered.

Open banking has been designed with security at its heart – here’s how:

Bank-level security – open banking uses rigorously tested software and security systems. You’ll never be asked to give access to your bank login details or password to anyone other than your own bank or building society.

It’s regulated – only apps and websites regulated by the FCA or European equivalent can enrol in the open banking Directory.

You’re in charge – you choose when, and for how long, you give access to your data.

Extra protection – your bank or building society will pay your money back if fraudulent payments are made. You’re also protected by data protection laws and the Financial Ombudsman Service