How business funding works
A merchant cash advance gives you an upfront lump sum based on your card turnover. You repay it automatically as a small percentage of your daily card sales — so repayments flex with your business.
Upfront capital
Receive a lump sum based on your monthly card turnover. Typical advances range from £5,000 to £200,000+.
Flexible repayments
A small percentage of each card sale goes toward repayment. Busy month? You repay faster. Quiet month? Repayments drop.
No fixed monthly payments
Unlike a traditional loan, there are no fixed monthly instalments. Your repayments are always proportional to your trading.
No personal guarantees required
Most merchant cash advances don't require personal guarantees or property security — the advance is based on your card sales.
Fast decisions
Applications are typically reviewed within 24–48 hours. If approved, funds can be in your account within days.
Transparent costs
You'll know the total repayment amount upfront. No hidden fees, no compounding interest, no surprises.
What can you use the funding for?
There are no restrictions on how you use the funds. Our merchants typically use business funding for practical, growth-focused purposes:
Buying stock in bulk
New equipment or machinery
Shop or kitchen fit-outs
Opening a second location
Seasonal cash flow gaps
Working capital
Marketing and promotion
Vehicle or van purchase
Our approach to funding
We only recommend funding when it makes commercial sense for your business. If the numbers don't work, we'll tell you. We'd rather help you find the right time to borrow than push you into something that doesn't fit.
PaymentStream earns a referral fee when funding is arranged through our partners. This is standard practice in the industry and does not affect the amount you receive or repay. We're transparent about this because trust matters more than a quick deal.
We work with established, FCA-regulated funding providers. Your application is handled professionally and your data is treated with care.
Already processing card payments elsewhere?
Business funding may still be available to you even if your card processing is with another provider. Eligibility is based on your card turnover, not who processes your payments. Get in touch and we'll let you know what's possible.
What we hear from funded merchants
"We wanted to fit out a second van but didn't want a bank loan. A merchant cash advance based on our card sales made more sense — the money came through quickly and repayments just come off our daily takings. We barely notice it."
— Street food business
Based on common feedback from our merchant clients. Named case studies coming soon.