Need flexibility? Meet the Merchant Cash Advance...

Our most versatile option allows you to borrow funds against future credit card sales. 

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 paid towards your repayments. If you have a slow day, you won’t pay back much; on a busy day however, you’ll repay slightly more. It’s finance that doesn’t impact your cash flow.

The benefits of a Capify Merchant Cash Advance

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

We Only Get Paid When You Do

If you’ve got exciting plans to grow your business, the Capify Merchant Cash Advance could be the perfect solution. It’s ideal for businesses who accept credit and debit card payments from their customers; like retailers, pubs, bars and restaurants.

Business owners are able to raise from £5,000 to £500,000 and the regular repayments are designed to not impact cash flow, making it a flexible finance option.

Borrowing capacity

£5,000 to £500,000

Quick approvals

Same day approvals & funding possible in 24 hours

Unsecured business loan

No assets or security required

Minimum paperwork

Just a few documents are all that's required to confirm your funding.

Easy Repayments

Fixed regular and weekly repayments that are easy on your cash flow


Fast and simple renewal process

A flexible business finance solution that works with your cash flow.


Improve cash flow

Pay your bills or suppliers. Buy stock with ease regardless of seasonality or unpaid invoices.


Upgrade your business

Buy new equipment or renovate your store - Revamp your business!

Scale for growth

Hire more staff, invest in marketing or open a new store! Whatever your goals, we can help you reach them.

Tech & automation

Spend less time on the day-to-day admin and more time on the important things in life.

Tax bills

Unexpected tax payment due? Access funding quickly to settle any payments and avoid surcharges being added.

Grow your business with a Merchant Cash Advance

The Merchant Cash Advance is a simple way to raise money for your business and you can use the funds to make your plans a reality, whether that’s a refurbishment, a marketing campaign, or replacing a broken appliance. 

Many business owners also raise finance so they can pay for stock, invest in their staff’s education, and hire extra help during busy periods.

If you’re interested in finding out more about this product, please give us a call on 0800 151 0980.

Pros & Cons of Merchant Cash Advance

Quick Access to Funds: Provides rapid funding for immediate capital needs.Higher Costs: Higher fees and interest rates compared to traditional loans, leading to increased borrowing costs.
No Collateral Required: Often doesn’t require collateral, reducing risk for the borrower.Impact on Cash Flow: Repayment tied to sales can challenge cash flow during low-revenue periods.
Flexible Repayment: Repayment based on a percentage of future sales, allowing flexibility during slow periods.Debt Cycle Risk: May lead to a cycle of borrowing to repay previous advances, resulting in long-term debt issues.
Easy Application Process: Straightforward application with minimal paperwork.Unregulated Industry: The less regulated nature of the industry increases the risk of dealing with unscrupulous lenders.
High Approval Rates: More accessible to businesses with higher approval rates.Lack of Consumer Protections: May not offer the same consumer protection laws as traditional loans.
Use of Funds Unrestricted: Versatile funding options, funds can be used for any purpose.Limited Loan Size: Borrowing limits may be lower compared to traditional loans.
No Fixed Monthly Payments: Absence of fixed monthly payments eases cash flow management.Confusing Terms and Fees: Some advances have complex terms and hidden fees, making costs unclear.
Credit Score Flexibility: May have more lenient credit score requirements, catering to weaker credit histories.Not Suitable for Long-Term Financing: Best suited for short-term funding needs rather than long-term investments.

Why Choose Capify?

Over the past 15 years, we’ve helped thousands of businesses access the funding they need to grow and prosper. Many had previously been turned down by a traditional lender or asked to submit extensive applications before they would even be considered. 

Our lending is quick and straightforward. Just tell us about yourself and your business, and we can give you an instant decision. 

Fast and Convenient Funding

Get conditionally approved for a loan in just 60 seconds with our online eligibility checker, and funded in as little as 24 hours. There are no business plans or proposals to submit and no lengthy paperwork to complete. You can complete your online application quickly and easily in around 10 minutes.

Applications Assessed by People – Not Computers

Capify is not a bank and may be able to help you when a traditional lender might not. We look at different lending criteria and will consider all credit profiles, with every loan application decided by a human, not an algorithm.

Flexible Loans for Any Purpose

Get funding from £5,000 to £500,000 for any business purpose - from working capital or purchasing new equipment, to paying off your existing debts. Capify loans are repaid in small, manageable regular payments, rather than larger monthly repayments, to minimise the impact on your cashflow.

Small, Fixed Repayments to Manage Your Cashflow with Ease

Unlike a traditional lender, a Capify loan is repaid in fixed regular instalments. This often makes it much easier to manage your cashflow than large, monthly repayments, or repayments which take a percentage of your daily turnover. Our team will work with you to create the best plan for your business.

4 simple steps to get funded in 24 hours


Apply online

Simple application with no credit check for pre-approvals.


Talk to a human

Receive a solution tailored to fit your business needs.


Minimal documentation

Get verified and approved quickly with minimum docs.


Receive your funds!

Get cash straight into your account within 24 hours.

Apply online in minutes

Ready to achieve your business goals?



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Businesses have relied on bank loans, and other bank-based finance options, for as long as banks have been around. In fact, a bank loan or business credit card is often the first option that comes to mind when seeking finance.

Access to business finance helps small businesses grow significantly. Small businesses make up 99.3% of all private sector businesses in the UK, so their success has a huge impact on the country’s economy as a whole.

With essential funding, small businesses can attract more customers, improve productivity, hire more people, and finesse their products and services. The Merchant Cash Advance is a flexible, affordable way to make this happen.