Merchant cash advance.
Flexible funding based on your business sales — repay as you earn.
Access between £1,000 and £750,000 to support your business growth. No assets required. Apply in minutes with no impact on your credit score.
How it works (the Caply way)
Spend a few minutes telling us about your business and funding needs.
We match you with our wide range of lending partners to find your best rate.
Once approved, funds are transferred directly to your account.
Funding that moves with your business
For businesses that rely on card payments, cash flow can fluctuate throughout the month. A merchant cash advance provides funding that adjusts alongside your sales, giving you the flexibility to manage both busy and quieter periods.
Every business has different sales patterns. That’s why funding options are matched to your transaction history, your revenue, and how your business operates day to day.
Repay as you trade
Repayments are taken as a percentage of your future sales, meaning you pay more when business is busy and less when it’s quieter.
Fast and simple access
With a streamlined application process and minimal paperwork, funding can often be arranged quickly.
Clear, upfront costs
A fixed cost is agreed at the outset, so you know exactly what you’ll repay with no hidden fees or ongoing interest.
A network of trusted funding partners
We work with a panel of established UK lenders to present funding options suited to your business profile.
Rather than approaching lenders individually, our process allows businesses to explore multiple options through one enquiry, helping save time while providing greater visibility over available funding solutions.
Our role is to help businesses understand their options clearly and move forward with confidence.
What a merchant cash advance can be used for
Merchant cash advances help businesses stay flexible and responsive, particularly those with regular card transactions.
Common uses include:
Upgrading equipment
Purchasing stock
Investing in marketing
Managing cash flow
Covering payroll
Supporting growth opportunities
Refurbishing premises
VAT and tax bills
Other funding options
If merchant cash advance isn’t quite right for your business, we work with a network of lenders to provide other flexible solutions tailored to your needs, from invoice finance to asset-backed loans.
Illustrative example of how funding can support business growth
Illustrative example for demonstration purposes only. This does not represent actual results or guarantees. Business performance varies depending on individual circumstances.
Understanding merchant cash advance.
How it works and how it can support your business.
A merchant cash advance provides businesses with funding based on their future card sales.
Instead of fixed monthly repayments, a percentage of your daily or weekly card takings is used to repay the advance, automatically adjusting in line with your revenue.
Lenders typically assess your card transaction history, overall turnover, and business performance when determining suitable options.
Because repayments are linked to your sales, this type of funding can offer greater flexibility for businesses with fluctuating income.
Funding amounts vary depending on your business profile, with approval often possible for a wide range of sectors.
Tell us about your business and your funding requirements. Our team of specialists will review your enquiry and present suitable options from our network of lending partners. Apply below in minutes.
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A merchant cash advance is a type of business funding where repayments are taken as a percentage of your future card sales, rather than fixed monthly amounts.
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Repayments are automatically deducted as a percentage of your card transactions, meaning they rise and fall in line with your sales.
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Funding can often be arranged within a few hours to a few working days, depending on the lender and the information provided.
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Funding amounts depend on your card sales and overall business performance. Higher transaction volumes may allow access to higher funding levels.
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Merchant cash advances are typically unsecured, meaning you don’t need to provide assets such as property or equipment.
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This type of funding is generally suited to businesses that take regular card payments, such as retail, hospitality, and service-based businesses.
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Initial checks can often be completed without impacting your credit score. A full check may be required if you proceed with a lender.
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No — repayments are based on a percentage of your sales, making them more flexible than traditional fixed repayment structures.
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Early repayment options may be available depending on the lender, although terms can vary.
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Tell us about your business and your funding requirements. Our team will review your enquiry and present suitable options from our network of lending partners.
Funding that supports your business moving forward.
We help growing businesses access flexible and financial solutions designed to support growth, stability, and opportunity.
1.5x
Borrow up to 1.5x your monthly revenue.
No early repayment fees.
*Subject to lender approval.