Capital in days. Paid back from your sales.

A merchant cash advance is not a loan — it is the purchase of a portion of your future sales at a discount. You receive a lump sum now and repay it automatically as a set percentage of your daily or weekly card sales until the agreed total is paid. Because it is tied to revenue rather than a fixed monthly instalment, payments rise when business is strong and ease when it is slow.

Many businesses are approved the same day and funded within 24 to 48 hours. Timing depends on how quickly you can send recent statements and how fast your bank processes the deposit. If you apply with your last six months of processing or bank statements to hand, you will usually have an answer the same business day.

A bank loan is a fixed debt with a fixed monthly payment, a set term, and underwriting that leans heavily on credit history and collateral. An advance is unsecured, assessed mainly on your recent revenue, and repaid as a percentage of sales rather than a rigid monthly note. It is faster and easier to qualify for, but the total cost is typically higher than bank financing — which is exactly why you should compare both before you sign.

Approval is based mainly on your recent revenue, not on a spotless credit file. Consistent card sales and healthy deposits matter far more than your score. We do ask for your credit score on the application so we can match you with the right funding partner, but a lower score on its own does not rule you out. We cannot promise approval — nobody honestly can — but it is worth a conversation.

Advances are generally sized against your monthly sales, so the stronger and steadier your revenue, the more you can access. Rather than quote a number online, a specialist reviews your statements and tells you what your actual sales support. They will also be straightforward with you if a smaller advance would sit better with your cash flow.

Repayment is automatic. An agreed percentage — the holdback — is taken from your daily or weekly card sales, or as a fixed debit from your business account, until the total payback is complete. There is no cheque to write and no payment date to remember, and because it moves with your sales, a slow week costs you less than a strong one.

The cost is expressed as a factor rate rather than an interest rate. Your total payback is the advance multiplied by that factor, and you know that figure in dollars before you sign — it does not compound or move. Your agreement also sets out the holdback percentage and any fees. Because an advance is priced for speed and flexibility, the total cost is usually higher than bank financing, so compare the total payback and the daily holdback against your other options.

To start, just your funding need and your monthly sales — that is the first step and it takes seconds. To reach a decision you will need your most recent bank or processing statements, usually the last six months, plus basic business details such as your business number and entity type. If you do not have statements to hand, your specialist will email you a secure upload link.

Whatever the business needs: inventory, payroll, equipment, repairs, marketing, a tax bill, or simply covering a slow stretch. There are no restrictions on how you deploy working capital and you do not need to itemise a purpose on the application.

Submitting this application does not affect your credit score. If you decide to move forward with a particular funding partner, they may run a check as part of their assessment — but your specialist will tell you clearly before that happens. Nothing is ever run without your knowledge.

Yes. Everything you submit is sent over an encrypted connection, kept confidential, and used only to assess and arrange your funding. We do not sell your information. It is shared only with the funding partners reviewing your file and the service providers that operate this website, and you can ask us at any time what we hold. Full details are in our Privacy Policy.

None at all. Submitting an application costs nothing and commits you to nothing. You are free to review the total payback, the holdback percentage and the term, compare them against other options, and walk away. Nothing is binding until you have read and signed a funding agreement you are genuinely comfortable with.