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Merchant Card Finance

Flexible finance solution for SMEs that take regular card or online payments. 

Secure the funding you need to grow, pay it off with regular payments as a percentage of your card sales.

We have strong working relationships with a wide variety of lenders.

This means that, whatever your requirements are, we’re able to connect you with the right lender at the right time for the right price. 

Everything we do is tailored to your organisational needs. It’s our job to find the perfect finance option for you. 

How does merchant card financing work?

A merchant cash advance is an innovative and flexible alternative to a loan. Merchant funding allows you to gain access to the cash your business needs in a flexible way, providing you with an advance on projected PDQ/online sales.

Simply put, the lender provides your business with a sum of money, which you then pay back through a percentage of customer card payments.

Merchant card financing is most suitable for customer-facing sectors as well as online B2C businesses, or in businesses that experience seasonal peaks. If your business doesn’t qualify for an unsecured business loan due to the business’ age/credit history, merchant finance can be useful, as this funding solution utilises your card terminal/online platform sales to secure lending.

Book your No obligation, free open discussion meeting today!

Our process

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Have an initial discussion about your options with our specialists

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Request requisite information from you and your business

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We’ll create a bespoke solution for you

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We connect you with the right lender

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Secure funding for your business!

Our merchant card finance options

Merchant cash advance

A loan utilising single or multiple card terminals, repaid by a daily split of your card takings. 

Repayments are variable based on business performance, and only accounts for a small percentage of each transaction. This is good for businesses that are very seasonal, as they only pay a small amount back when business is quiet. 

Revenue-based loan

A loan utilising an online sales platform, repayments are made via a daily split of your online sales. 

Repayments are variable based on business performance, and only accounts for a small percentage of each transaction. These facilities are typically better for ecommerce-driven businesses, as all repayments are made via your online platform.

The benefits of merchant card finance

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Rapid turnarounds

Merchant finance allows your business to get funding much faster than other business finance solutions, making it a very appealing option for many.


Merchant finance is a highly adaptable service, working alongside your business and how much revenue it then generates.


Need capital to grow quickly? Merchant card finance has got you covered! Many businesses use this facility to grow, even if you have no assets to leverage.

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Merchant Card Finance

Our mission

Built on a long heritage of business finance, our traditional approach is centred around you, your business and your needs. 

No algorithms, no over-complicated process, no complex application forms, just our people, taking the time to get to know you and your business, before using our highly knowledgeable and creative underwriting techniques to connect you to the right funding at the right time.

Let’s talk

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01473 553 430

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    Frequently Asked Questions

    What is a revolving credit facility?

    A revolving credit facility is a lifeline for many businesses. It is a type of credit that allows you to withdraw money when needed, helping you fund and grow your business. You then repay what you borrowed, and can withdraw again once you need it. It’s an incredibly flexible funding solution for growing SMEs and larger businesses.

    Are credit cards revolving credit?

    Credit cards, home equity lines and other personal lines of credit are all examples of revolving credit. If your debt is repaid monthly and the amount of available credit replenishes, then it’s revolving credit.