"I get paid by card, daily."
Repay as
you're paid.
An advance for UK limited companies repaid as a small fixed share of card takings - it flexes with your sales, so quiet weeks cost less and busy weeks clear it faster.
See what you qualify for →✓ £0 to check ✓ Soft search only ✓ Free to use - the lender pays us, never you
Why companies use it
No fixed monthly amountRepayment is a percentage of card takings - the loan breathes with the business.
Based on card historyApproval works from your card terminal data - typically 6+ months of takings.
One fixed total costYou know the full repayment amount on day one - it never grows, however long it takes.
RenewableMost providers offer top-ups once a portion is repaid - useful for stock cycles.
Is it right for you? The honest version.
A good fit when
- Hospitality, retail, salons - anywhere cards dominate takings
- Seasonal businesses that dislike fixed repayments
- Fast stock or refit needs
Not the right tool for
- Invoice-based B2B companies (invoice finance fits better)
- Very thin card volumes (under ~£5k/month)
- Sole traders
Straight answers
How much can we get?
Typically around one month's card takings, sometimes more with history. The check gives a real figure fast.
What's the catch?
Factor-rate pricing means the total cost is fixed but the equivalent APR can be high if repaid fast. We show the total in pounds up front - judge it against the value of the stock or refit, not just the rate.
How fast?
Among the fastest products on the panel - decisions often same-day, funds in 24-48 hours.
Check eligibility - 2 minutes →
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