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Raise from £3,500 to over £150,000. Receive funds within days.

The Merchant Cash Advance is ideal for businesses accepting credit and debit card payments from their customers; including retailers, pubs, bars and restaurants.

Business owners can raise from £3,500, and make daily payments designed to protect cash flow. Find out more about how the Merchant Cash Advance can help different customer service businesses below.

Pubs and bars

Keep punters coming in for a good time, a quiet drink, or the best pub quiz in town. Pub and bar owners have used the Merchant Cash Advance to invest in comfortable furniture, renovate, hire new staff, and stock their bar.


The hospitality business is competitive. Give your diners exactly what they want with quality kitchen equipment, highly trained catering staff, seasonal stock, and mouth-watering menus.


Whether your customers are looking for a quick caffeine fix, a fry-up, or a taste of another country, the Merchant Cash Advance can help. Put more cash into your business to pay for essential upgrades and marketing.


Welcome your guests with modern rooms, a menu they’ll look forward to, and concierge who always know what to do. 3-star or 5-star, you’ll impress both business travellers and guests getting away for the weekend.

Hairdressing & Beauticians

With a Merchant Cash Advance, you can stay on top of brand new hair and beauty technology. You could be the first local salon to offer a specific treatment, or provide new training to your team to make sure they’re always up-to-date.

MOT garages

Make your garage an essential pitstop. To improve the experience, you can invest in the best mechanical equipment, incentivise your team, and create a waiting room customers won’t mind spending some time in.


Give your customers exactly what they need. A Merchant Cash Advance can help you pay for in-demand stock, smart security equipment, and bold advertising to show off your discounts.

What your business could do with an unsecured business loan

Refurbishment and renovation
Decorate, invest in new furniture, or extend your premises to make room for more customers. Your business needs to evolve over time, and that includes the decor.

Business technology
Help your business run smoothly with best-in-class digital tools. Restaurants can turn table booking into a breeze, retailers can transform their stock ordering process, and any business with lots of admin can minimise time spent on paperwork.

Staff training and education
Give your team the best knowledge and skills training available. They’ll reward you with hard work and your customers will receive excellent service

Marketing and advertising
Whether it’s online or offline, launch a marketing strategy that brings in new, bigger audiences. With funds from the Merchant Cash Advance, you can get the help of a strategy expert, designer, or boost your budget.

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Find out how much you could raise today.

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The smell of freshly baked bread is the best advert you could ever have. Delight your customers with new flavour combinations, fast service, and the best local ingredients. You’ll know it’s working when there’s a queue around the corner…


Floristry is an art as well as a service, and you need the highest quality flowers to keep creating stunning arrangements. Create a buzz around your work, whether it’s on the top table at a wedding, or decorating a church.

Retail stores

Keep your stock up to date, create compelling special offers, or invest in technology that makes stock reordering and customer marketing super simple.

Clothing retail stores

Fashion retail is fast-moving and constantly in demand. With the Merchant Cash Advance, you can invest in the perfect stock and make sure you’re always following the most relevant trends.


The Merchant Cash Advance is perfect for all kinds of retail businesses – source the best stock, stay on top of trends, and keep cash coming into your business.

How does a Merchant Cash Advance work?

At the end of each working day, a small percentage of your credit and debit card takings will be made in repayments. If you have a slow day, you won’t pay back much but on a busy day, you’ll repay slightly more. It’s finance that doesn’t impact your cash flow.

The benefits of a Merchant Cash Advance

Raise £3,500 or more

Simple repayments

Dedicated account manager

Opportunity to raise more funds

To be eligible for a Merchant Cash Advance, you'll need to:

  • Run a UK-based business as a sole trader, in partnership, and a limited company
  • Take at least £3,500 a month in card payments
  • Have at least 6 months’ trading records


Invest in the latest dental technology, hire qualified staff, and ensure your surgery is a comfortable place to be. Dental practices are continually evolving, make sure yours isn’t left behind!

Capify is proud to offer…

The personal touch
You’ll speak to the same dedicated account manager from first contact to receiving your cash. They’ll answer your questions and guide you through the application process.

UK-based support
Our team is based in South Manchester, and we work with small businesses from all over the UK.

Flexible daily repayments
Pay back the Merchant Cash Advance with a small daily percentage of your credit and debit card transactions. No large monthly payments, just simple, manageable repayments.

Get A Quote

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