Business funding that moves with your card takings.
If your business takes card payments, in person or online, a cash advance could help you buy stock, refurbish, or get through a quiet spell. It’s repaid automatically as a small share of your future card sales, so you pay back less when trade is slower.
Could your business qualify?
Subject to eligibility. The funding provider makes the final decision on whether to offer funding and how much.
How a cash advance works
This isn’t a traditional bank loan. The funding provider pays you a lump sum up front, then takes an agreed percentage of your card takings, from your card machine or online sales, until it’s repaid.
Repayments that flex
Busy week, you repay more. Quiet week, you repay less. There’s no fixed monthly repayment to find.
Nothing to remember
Repayments come automatically from your card sales, so there are no direct debits to chase.
Based on how you trade
The funding provider looks at your card turnover to decide what they can offer, not just your credit history.
Use it for the business
Spend it where it’s needed most, from new equipment to seasonal stock.
- Stock
- Refurbishment
- New equipment
- Seasonal cashflow
- Marketing
- Expansion
From enquiry to funding
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Tell us about your business
Fill in the short form or call us. We’ll ask a few questions about your business and what the funding is for.
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We introduce you
We put you in touch with the funding partner that best suits your business and help you with the application.
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The provider makes you an offer
They review your card turnover and make a decision. If you accept their offer, the funds are paid to your business account.
Our funding partners
We work with two specialist providers of revenue-based business funding in the UK.
Flexible, revenue-based financing for businesses that take card payments in store or online, repaid automatically from sales.
A specialist in revenue-based funding for small businesses, repaid as a share of future card sales.
Important information
Funding is provided by our partners, not by Pennine Payments. Whether you’re eligible, how much you can receive and what it costs are decided entirely by the funding provider, based on your business’s card turnover and their own checks. Subject to status and eligibility. There’s no obligation to accept any offer.
Funding questions
Is a cash advance the same as a loan?
No. You receive a lump sum and repay it as an agreed percentage of your future card takings, rather than fixed monthly repayments.
How much could my business get?
That’s decided by the funding provider, mainly based on your monthly card turnover. They’ll give you a personalised offer after reviewing your business.
Who is it for?
Businesses that take card payments, either on a card machine or online through an ecommerce checkout, such as pubs, restaurants, cafés, shops and online retailers. The provider will confirm whether your business is eligible.
Do I have to accept an offer?
No. There’s no obligation to go ahead, and you can take time to read the provider’s terms before deciding.
Want to know what’s available?
Get in touch and we’ll talk you through your options, with no obligation.