How much merchant funding can I get?
By Helm, Funding Specialist
Key takeaways
- Most providers offer 1 to 1.5x monthly card revenue
- Higher card volume = larger potential advance
- First-time borrowers may receive conservative offers
- Top-ups unlock larger amounts over time
- Only borrow what you need
How much can I get? It is the first question every business owner asks. With merchant funding, the answer is directly linked to your card transaction revenue.
How amounts are calculated
Providers typically offer between 1 and 1.5 times your monthly card revenue.
| Monthly Card Revenue | Min Offer (1x) | Max Offer (1.5x) |
|---|---|---|
| £10,000 | £10,000 | £7,500 |
| £10,000 | £10,000 | £15,000 |
| £25,000 | £25,000 | £37,500 |
| £50,000 | £50,000 | £75,000 |
| £100,000 | £100,000 | £150,000 |
What affects the amount
Several factors influence your offer:
- Card revenue consistency
- Trading history length
- Industry type
- Existing advances or debts
- Previous repayment track record
How to increase your amount
To access more:
- Grow your card revenue
- Build a repayment track record
- Request top-ups after repaying 50 to 70%
- Compare offers from multiple providers
Should you take the maximum?
Not necessarily. Borrowing the maximum means higher daily repayments. Only borrow what you need and can repay comfortably.
Frequently asked questions
Can I get more than my monthly card revenue?
Some providers offer up to 1.5x. Going beyond this is unusual.
Can I increase my amount later?
Yes. Top-ups are available once you have repaid 50 to 70% of your current advance.
Does my industry affect the amount?
It can. Some industries are viewed as lower risk, leading to higher offers.
Can I combine offers from multiple providers?
Technically yes, but stacking advances is risky and not recommended.