How it works
A straightforward four-step process, from first enquiry to completion.
Complete a short form
Share basic business details so we can understand your requirements, including:
- • Business name and trading history
- • Monthly card sales turnover
- • Amount of funding required
- • What you'll use the funds for
We check your details
We look at your profile and identify lenders from our panel that may be suitable. We consider:
- • Your monthly revenue and card sales
- • Time in business (minimum 3 months)
- • Your funding requirements
- • Repayment capacity based on turnover
We discuss your options
Once we have lender feedback, we call you to explain:
- • Your approved funding amount
- • Repayment terms and structure
- • Total cost of the funding
- • Any questions you may have
Complete and receive funds
After you accept an offer and complete final checks, funds are transferred to your business account:
- • Same-day transfer in some urgent cases
- • Often completed within 2-3 business days
- • No hidden fees or charges
- • Start using the funds immediately
Who can apply?
Simple criteria designed for UK businesses.
Trading for 3+ months
Your business must have been trading for at least 3 months. If not, we can schedule a follow-up when you become eligible.
£10K+ monthly card sales
Minimum £10,000 in monthly card sales for the current fast-track route
UK registered business
Must be a limited company or sole trader registered in the UK
No active CCJs or bankruptcies
Some providers may decline if there are active county court judgments
What you'll need
Having these ready helps us move faster.
Ready to get started?
Complete your application in 3 minutes and get a decision within 24-48 hours