From application to funding in 48 hours
We've stripped away the complexity of traditional business finance.
Five steps to funding
- Apply in minutes — Our application takes around 60 seconds to complete.
- We review your application — Our team reviews and typically gets back within 24 hours.
- Receive a clear quote — One fixed cost agreed upfront. No admin fees, no hidden extras.
- Get funded — Funds land in your business account within 48 hours of approval.
- Repay as you earn — A small percentage of daily card sales is automatically deducted.
Eligibility
- Accept card payments (any provider)
- Based in the UK or Ireland
- Trading for at least 6 months
- Process £10,000+ per month in card sales
Frequently asked questions
How is this different from a bank loan?
A merchant cash advance isn't a loan. There's no fixed interest rate, no fixed term, and no fixed monthly repayments.
What percentage of my card sales goes to repayment?
Typically between 5% and 15% of your daily card sales, agreed before you accept the advance.
Can I pay it off early?
Yes. There's no penalty for early repayment.
What if I have a bad credit score?
We focus on your card sales, not your credit history. We only run a soft credit check.
How quickly can I get funded?
Most applications are reviewed within 24 hours and funding is typically within 48 hours of approval.
Do I need to provide security?
No. We don't require any security, collateral, or personal guarantees.
Can I get more funding later?
Yes. Once you've repaid 50% of your advance, you can apply for a top-up.