Flexible Business Funding

Consistent Fee Structure

No hidden/early/late fees.

Flexible Repayment Terms

No fixed monthly payments.

Automatic Payment Mechanism

Repayments automated via card sales percentage.

No Collateral or Plan Required

Security or business plan not mandatory.

Swift Approval and Funding

Approval within 24 hours, funding in 48.

Funding made flexible at your fingertips

Experience the Benefits of Merchant Cash Advance (MCA). We have got you covered whether you need to maintain a steady cashflow for operational growth, purchase a new equipment or stock, refurbish your business space, pay your bills or simply to fix a machine. 

Flexible Funding

Access funding ranging from £2,500 to £1 million to support various needs like maintaining cashflow, purchasing inventory, or covering equipment repairs.

Transparent Fees

Say goodbye to hidden charges as Merchant Cash Advance ensures no hidden fees are involved, providing clarity and peace of mind.

Personalized Assistance

Benefit from dedicated customer support, ensuring you receive personalized assistance throughout your funding journey.

Quick and Convenient

Enjoy the convenience of accessing flexible funding at your fingertips, allowing you to meet your financial requirements promptly.

Tailored Repayments

Repayments are designed to align with your business's performance, enabling faster repayments during busy periods and reduced repayments during slower times.

Who can apply for Cash Advance​?

Most businesses who meet the following criteria are eligible

Merchant Cash Advances (MCA) come with no early repayment fees, and in fact, majority of our customers settle their balance ahead of schedule. The application process is streamlined and swift, requiring you to link your bank account, ensuring you’re up and running within minutes. Once approval is granted, funds are promptly transferred directly to your account. Moreover, if your needs expand later on, applying for a top-up is hassle-free.

Find out more by speaking to our dedicate team or complete an application form and our selected partner will reach out to understand more. 

What is the cost of a merchant cash advance and how it works?

A merchant cash advance incurs no upfront fees and has no fixed payment terms. Instead, you automatically repay a percentage of your future card takings over a short period, usually six to twelve months. There are no fixed repayment terms or penalties for late payments. Repayments occur only when a card transaction is processed, allowing you to repay more during busy periods and less during quieter times.

Borrow from £2.5K – £1m

Say goodbye to old-style loans with a special cash advance made just for your business. Get a quick and easy quote that won’t affect your credit score, and you don’t have to agree to anything.

Frequently Asked Question

If eligible, you’ll receive an offer with available cash advances. Once you’ve selected your funding level, Our Selected lender will agree on a price with you. This is one fixed cost added to your advance, which will form your total repayment.​

To process your application, Lender will look at your business and conduct some checks, including affordability, credit, and insolvency.​ Once approved, you’ll get your funds.

No, Cash Advance isn’t a loan. It’s an alternative form of financing that, unlike a traditional loan, does not have a fixed repayment term nor recurring interest or APRs. Also, unlike a traditional loan, Cash Advance is not regulated.

Every business is unique, so pricing is unique. The cost of this type of finance is clear and straightforward as it is calculated using a factor rate which gives you a total repayment figure. A repayment percentage of each future sale by card is repaid to the lender until the loan amount is paid off in full by the business owner. There are no other hidden charges or costs associated with this type of borrowing.

The pricing for this commercial finance varies based on the individual business. It is calculated using a factor rate, providing a clear and straightforward total repayment amount. The business owner repays a percentage of each future card sale to the lender until the loan amount is fully paid off. Rest assured, there are no hidden charges or additional costs associated with this borrowing option.

A factor rate is a calculation used by lenders to determine the total repayment amount for a loan. It involves multiplying the loan amount by a factor rate, typically ranging between 1.1 and 1.5.


For example, let's say your business borrows £10,000 based on its sales volume, and the lender sets the factor rate at 1.3. To calculate the total repayable amount, you would multiply the loan amount (£10,000) by the factor rate (1.3). In this case, the total repayable amount would be £13,000 (£10,000 x 1.3). This includes the total cost of finance.

No, there are no fixed monthly repayments. Unlike traditional cash loans, there is no fixed term or APR (Annual Percentage Rate). Instead, you repay a small percentage of your future credit and debit card sales until the advance is fully repaid. This flexible repayment structure accommodates seasonal businesses where card takings can vary significantly.

There’s no need to change your existing card terminal (PDQ) machine, everything stays the same.

Any hard cash that your business takes is yours – You only pay back on card sales. This means you keep 100% of cash transactions. 

Once you’ve applied, our funding partner will use several sources to understand your business. They carry out company and consumer credit bureau searches, which will leave a record of the search on both credit files. Your credit score won’t be affected when applying.

Different lenders may offer variations in terms of overall repayment values, calculated factor rates, and the percentage they deduct from your daily sales. These variations will give you an immediate idea of what to expect. By comparing quotes from different lenders, you can make an informed decision that best suits your business. Our website provides the necessary comparison information you need.

Merchant cash advances are currently not regulated by the FCA (Financial Conduct Authority) in the UK. However, some lenders who offer such products may also provide other types of funding that are regulated by the FCA. If you have any doubts, you can clarify with the lender you choose, and they will advise you on whether the specific product is FCA regulated.

Absolutely! You have the flexibility to make a early payment or pay off the total outstanding amount at any time by reaching out to our support team. The good news is that there are no additional fees for early payment. It's important to note that the overall cost remains the same, as the agreed-upon fee is fixed upfront from the beginning of the arrangement.


*Terms and conditions.

Speedy Payments is acting as an introducer and not a lender.

We offer introduction to provider of the Business finance and Merchant Cash Advance product. Funding and the funding amount are subject to lender approval.

Other eligibility criteria may apply.



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