Merchant Cash Advance
If you’ve had an offer from a competitor, we’ll match or beat it*. Fast decisions. Flexible terms. Transparent pricing. 90% approval rate within 24 hours.
Am I eligible for a Merchant cash advance?
Has your business been trading for a minimum of 6 months?
Does your business’ monthly credit and debit card sales exceed £10,000?
You’re eligible
Get a quoteYou must take at least £10,000 per month in card sales and have been trading for at least 6 months
Request a callbackWhat is a Merchant Cash Advance?
Rather than monthly repayments with interest, repayments are automatically taken as a small fixed percentage of your daily card sales, so you only repay more when your business is doing more.
It’s designed to work with your cash flow, not against it. No interest. No APR. No pressure.
Unlike a traditional loan, repayments mirror the ups and downs of your business.
Repayments are automatic and based on a small percentage of your monthly card sales. So when business is slow, repayments are low – and when business is good, you pay a bit more. Not only does this remove the stress of a traditional high street loan, it is also perfect for seasonal businesses.
How Merchant Cash Advance repayments work
1
Agree fixed percentage
We agree a fixed percentage of your credit and debit card sales to repay the business cash advance (typically between 5% and 15% of your card sales).
2
Make card sales
You sell to your customers on your credit and debit card terminals as usual.
3
Repay automatically
The pre-agreed percentage is automatically deducted from your daily transactions at point of sale.
4
Receive money in your account
There is no change to the time it takes for you to receive the remaining money from your sales.
5
Reduce balance outstanding
The daily amount deducted reduces the balance outstanding on the cash advance.
6
Stop automatically
Collections stop automatically once the cash advance has been repaid in full.
UK Business Cash Advance: The flexible alternative to bank loans
For small to medium sized enterprises (SMEs), bank loan applications can be a lengthy, arduous process that makes borrowing money difficult.
Our financing acts as a quick loan that immediately injects cash into your business, eradicating the long processing times of traditional bank loans, making it an ideal solution for small businesses.
Whether you have poor credit history or your application rejected by the bank, your business could still be eligible for a cash advance. Raise between £10,000 and £500,000 in unsecured funding for your business today.
There’s no APR or fixed terms to worry about — instead, you’ll receive simple, easy to understand funding that’s designed to help you successfully run your business.
Also, once you have a merchant cash advance with us, you can easily renew and top up your funds with no hassles.
How a Merchant Cash Advance Works
Instead of relying on your credit score, we assess recent debit and credit card transactions to determine affordability and produce a funding offer tailored for your business. The loan application process is quick and easy, and we can give you a funding decision within 24 hours. There is no need for you to provide collateral or business plans, and we only conduct a soft credit check that does not affect your credit score. From this, we’re able to make a funding decision without running a hard check that will show on your credit report. Unlike a traditional bank loan, there are no interest rates or fixed monthly payments to worry about. Instead, repayments are taken from a small percentage of your future debit and credit card payments. A merchant cash advance doesn’t require any APR as there is no fixed fee.
Behind thousands of SMEs in the UK
We’re supporting thousands of SMEs in the UK, helping them to build a solid foundation for long term business success.
How much capital does your business need?
Use our calculator and see how Rev&UTM could help your business.
£60,000
funding received
£100
for every card transaction
85% = £85
goes to your account
15% = £15
goes to 365 finance
A simple and secure way to finance your business
Apply in minutes
Complete the application form. It takes less than 5 minutes!
Relationship manager
Be allocated a relationship manager to assist with any queries.
Approval under 24h
A decision will be made under 24h.
Get your cash advance in days
Funding directly into your business bank account within days
Useful information
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*subject to credit