You choose your daily percentage
You decide what percentage of your daily card sales goes towards repayments. The percentage you choose is subject to your total funding amount and is agreed with you before you proceed.
Business funding, built differently
Capital that moves
with your business.
Access flexible funding from £5,000 to £1m, with repayments designed around your daily card sales.
- No fixed monthly repayments
- Clear terms before you commit
- Fast decisions, subject to approval
FUNDING ESTIMATOR
LIVE
MONTHLY CASH FLOW£50,000
ESTIMATED FUNDING*£75,000
1.5×
*Estimate only. Your total funding amount depends on your monthly cash flow and the financial health of your business, subject to approval.
£1m maximum funding
% of card sales repayments
BUILT FOR
RETAILHOSPITALITYHEALTHCAREPROFESSIONAL SERVICESGROWING BUSINESSES£5K – £1M FUNDINGREPAID AS % OF CARD SALESTERMS AGREED UPFRONT
Funding without the friction
Your business changes.
Your funding should too.
Traditional finance can be rigid. UK Merchant Capital is designed to give established businesses access to capital while keeping repayment linked to trading performance.
You agree the funding terms upfront, then repay through a percentage of eligible daily card sales that you choose, subject to your total funding amount. When sales are stronger, repayments can be higher; when trading is quieter, they can be lower.
Talk to a funding specialist Simple by design
Funding in
three steps.
Tell us what you need the capital for. We’ll look at your business and walk you through the available options.
-
01
Tell us what you need
Apply for the amount your business requires and tell us how you plan to use the funds.
-
02
We review your business
We assess your application and trading information to understand what funding may be available.
-
03
Put the capital to work
Once approved and agreed, funds can be used for growth, stock, equipment, cash flow or other business needs.
Repayment simulator
Watch repayments flex with your week.
An illustrative trading week. Choose a daily percentage and set your weekly card sales to see a repayment linked to card sales respond day by day.
Illustration only. You choose your daily percentage, subject to your total funding amount. Your fee and terms are agreed before you proceed.
Repaid this week£0
Card sales£0
You keep£0
What decides your funding amount
Your total funding amount depends on both your monthly cash flow and the overall financial health of your business, and is subject to eligibility and approval.
Why UK Merchant Capital
More flexibility.
Less complexity.
We focus on making business funding easier to understand, easier to access and more closely connected to the way your business actually trades.
01
Repay in line with sales
You choose the percentage of eligible daily card sales you repay, subject to your total funding amount, rather than a conventional fixed monthly repayment.
02
Fast decisions
Funds can be available within 24 hours of approval.*
03
Know the terms upfront
The agreed funding amount, fee and repayment percentage are explained before you proceed, so you can make an informed decision.
04
Funding for real business needs
ExpansionStockEquipmentMarketingWorking capitalRefitsSeasonal peaksNew sites
05
Built for card-taking businesses
06
From £5,000 to £1m
Funding is available across a broad range of business requirements, subject to eligibility, underwriting and approval.
07
A specialist, not a chatbot
A named funding specialist walks you through the amount, fee and repayment percentage before you proceed.
How it compares
Not a loan.
A different structure.
Repayments that follow your takings, rather than a fixed instalment that stays the same whatever kind of month you have.
| Feature | UK Merchant Capital | Typical fixed-term loan |
|---|---|---|
| Repayment amount | Flexes with daily card sales | Fixed monthly instalment |
| Quieter trading periods | Repayments naturally lower | Same instalment due |
| How you repay | A % of sales you choose* | Scheduled direct debit |
| Cost | Fee agreed upfront | Interest over the term |
| Funding range | £5,000 – £1m* | Varies by lender |
Qualitative comparison for illustration. Products vary; we’ll explain the exact structure and cost before you decide.
At a glance
A funding partner
for ambitious businesses.
£5k–£1mPotential funding range*
24hFunds can be available within 24 hours of approval*
% of salesRepayment structure
Our lending partners
Backed by a panel of
leading UK lenders.
We partner with established UK business funders, including YouLend, 365 Finance and Fleximize, plus many others, so we can match your business to the facility that fits the way you trade.
- + many moreLenders across the UK market
Logos are trademarks of their respective owners. Funding is subject to each lender’s eligibility criteria, underwriting and approval.
When cash flow is the thing holding your next move back, the right funding structure can give your business room to act.
UK Merchant Capital — business funding built around the way you trade.
Questions
Funding,
explained.
Still have a question? Speak to the team and we’ll explain the terms relevant to your business.
Speak to usHow much can I apply for?
Funding is available from £5,000 to £1m. Your total funding amount depends on your monthly cash flow and the financial health of your business, and is subject to eligibility, assessment and approval.
How are repayments calculated?
You choose the percentage of your eligible daily card sales that goes towards repayments, subject to your total funding amount. Because repayments are linked to daily card sales, on quieter days you repay less and on busier days you repay more.
How quickly can funds be available?
Funding can be available quickly once an application has been assessed and approved. Timing depends on your application and the required checks.
What can I use the funding for?
Businesses may use funding for purposes such as working capital, expansion, stock, equipment, marketing and other business needs, subject to the agreed terms.
Is this the same as a traditional business loan?
The repayment structure is different from a conventional fixed-term loan because repayments are linked to eligible card sales. We’ll explain the exact structure and cost before you decide whether to proceed.
Will applying affect my credit score?
Requesting a call is free and there’s no obligation to proceed. We’ll explain any checks that may be required, and when, before they happen.
Ready when you are
Let’s talk about
your next move.
Tell us a little about your business and the funding you’re considering. A member of our team will then talk you through the next step.
- No obligation to proceed
- Clear terms before you commit
- Funding subject to eligibility and approval
UK MERCHANT CAPITALFunding that moves with business.
Start a conversation