Business Cash Advance

Revenue-based funding that flexes with your turnover

A lump sum advance repaid through small, regular payments linked to your overall business revenue — not just card sales.

No impact on credit scoreWhole-of-market panelDedicated account manager
Term: 3 – 12 monthsDecision: 24 hours
How It Works

How a business cash advance works

Similar to a merchant cash advance but based on total business revenue rather than card takings alone, this makes it accessible to businesses without significant card sales — repayments scale automatically as turnover rises or falls.

Scales with turnover

Repayments are linked to overall revenue, not just card sales, so the facility works even if most income arrives by bank transfer or invoice.

Fast, largely paperwork-free

Applications are quick to complete, with decisions often returned within 24 hours.

No fixed collateral

Approval is based on your revenue and trading history rather than requiring a specific asset as security.

Predictable structure

A clear, agreed repayment percentage set upfront, so you know exactly how the facility works before you commit.

Options

Where a business cash advance fits

A flexible option for businesses whose income doesn't flow mainly through card payments.

Service businesses

Suited to businesses invoicing clients directly rather than taking card payments.

Wholesale & trade

Access working capital linked to overall turnover rather than a single sales channel.

Growing SMEs

A flexible bridge for businesses scaling revenue but not yet ready for traditional lending criteria.

Good To Know

When to consider business cash advance

A snapshot of the situations our panel most commonly helps clients with.

  • Accessing funding without significant card sales
  • Smoothing cash flow tied to overall revenue
  • Funding growth without a lengthy application process
  • Bridging a short-term working capital gap
FAQs

Business Cash Advance, answered

Common questions we hear most often from businesses like yours.

A merchant cash advance is repaid against card sales specifically, while a business cash advance is based on your total business revenue.

Find the funding built for your business

Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.