Flexible finance on your terms

A Merchant Cash Advance, also known as a Business Cash Advance, is an unsecured business finance solution that allows business owners to quickly raise £5,000 to £200,000 in funding.

Unlike a traditional bank loan, there are no interest rates or fixed monthly payments. Instead, repayments are taken from a small percentage of your future debit and credit card payments. This means repayments mirror the ups and downs of your business, easing financial stress - when you have a quiet period, you simply repay less, and when business picks up, you repay more.

Ideal for businesses that process payments through a card machine (PDQ) and/or online payment system, a merchant cash advance is a fast and flexible way to raise capital for your business:

• No APR or fixed monthly payments
• Over 90% of applications approved
• No security or business plans required
• Approval with 24 hours

Get a free quote today, and gain instant funding to grow and build the business you’ve always wanted. Requesting a quote will not affect your credit score.

For small to medium sized enterprises (SMEs), bank loan applications can be a lengthy, arduous process that makes borrowing money difficult.

Our financing acts as a quick loan that immediately injects cash into your business, eradicating the long processing times of traditional bank loans, making it an ideal solution for small businesses.

Whether you have poor credit history or your application rejected by the bank, your business could still be eligible for a cash advance. Raise between £5,000 and £200,000 in unsecured funding for your business today.

There’s no APR or fixed terms to worry about -- instead, you’ll receive simple, easy to understand funding that’s designed to help you successfully run your business.

Also, once you have a merchant cash advance with us, you can easily renew and top up your funds with no hassles.

Does your business need a traditional loan alternative?

A merchant cash advance is the ideal funding for merchants looking to grow and expand their business. Use your debit and credit card sales to raise capital for your business, today.

Instantly receive funds to use on any business requirement, such as:

• Increase your working capital to pay employees, suppliers and other creditors to fuel business operations and avoid cash flow problems.
• Purchase equipment, vehicles and other items to increase efficiency and develop a stronger, more effective business.
• Expand your business by opening up a new location, hiring more staff or launching new products, services and offers.
• Advertise your existing products and services to bring in new customers and grow your sales revenue.
• Purchase the lease on your premises to own your location and enhance your retail or food service business. 

At Konnect2Pay Finance, we offer unsecured business funding to thousands of SMEs in the UK, particularly businesses operating in the hospitality, retail, and leisure industries. 

Our funding is an affordable and flexible alternative to a bank loan, and a great option for merchants looking for quick, short term finance.   In comparison to traditional bank loans, the benefits of a merchant cash advance include:

• 90% approval rate
• Approval within 24 hours
• No interest rates, APRs or fixed payments
• No late penalties or hidden fees – agree on one, upfront cost that never changes
• Flexible repayments based on a small percentage of your future debit & credit card sales
• No security or business plans required
• Bad credit or poor credit history isn’t a barrier to receive funding
• Short repayment period, with the advance typical repaid within 5 to 10 months
• Repayments are automatic and simple, as they are processed via transactions taken from your card machine

A merchant cash advance responds to the dilemmas commonly faced by small to medium sized businesses in the UK that are faced with unexpected bills and fluctuating sales revenue.

Unsecured vs secured business loans

Banks often require security or a personal guarantee when taking out a loan, usually in the form of a tangible asset such as commercial property, stock, machinery or a vehicle.

If your business becomes bankrupt or insolvent, the bank can sell the asset to recoup costs. As such, a secured loan from the bank usually entails a lengthier application process, as there are due diligence processes to conduct such as valuations, legal costs and business checks.

Our funding is unsecured, in that we don’t ask for any security or personal guarantee like a bank would. Therefore, we can process your application within 24 hours, offering you speedy access to capital.

However, the cost of our funding may in some circumstances appear more expensive, as we are providing business finance without any security or personal guarantees. This is why your business’ trading history is very important us, as we need to feel that your business generates enough cash flow to repay the loan amount.

Traditional bank loans have fixed monthly repayments, with a set repayment period. As these repayments are fixed, you are obligated to pay a set amount each month irrespective of underlying business performance - this can cause financial stress for your business, impacting cash flow.

Our funding requires no fixed monthly repayments. Instead, there is only one, all-inclusive cost that is agreed upfront and never changes – there’s no APR, hidden fees or late penalties. 

Repayments are automatically deducted from a small percentage of your card sales, meaning you only repay when customers pay you. As such, your business’ sales revenue isn’t negatively impacted. 

Repayment period is typically between 6 to 10 months, however this is flexible depending on individual circumstances.

If card sales only make up a small portion of your overall business revenue, then this can impact the total amount of funding we can offer you, as we only evaluate business turnover through your credit and debit card sales. 

Our cash advances provide thousands of business owners with an affordable way to access unsecured capital for expansion, development or to improve cash flow.

Monthly payments based on future card sales allow you pay back an advance only when your customer pays you. 

Registered in England, Konnect2Pay Business Finance provides cash advances for small businesses in the UK. Our finance products are designed as a flexible finance solution for businesses that accept credit/and or debit sales, and are an alternative to traditional bank loans. 

With just one pre-agreed, fixed cost you can plan ahead with confidence; knowing that the payments will take care of themselves with no penalties or hidden charges. Ever.

Instead of fixed monthly payments you only pay us when your customers pay you. Your payments are based on an agreed percentage of your future customer card transactions.

The funds can be used for any of your business needs. And, working directly in line with your cashflow, your payments will flex as your sales do!

Repayments are taken from a small percentage of your future debit and credit card payments, you only repay us when your customers pay you - so when sales are down, repayments are lower.

A Merchant Cash Advance, also known as a Business Cash Advance, is an unsecured business finance solution that allows you to quickly raise £5,000 to £200,000 in funding.

Compare our flexible, alternative business finance solution with the traditional bank loan and see why Merchant Cash Advance is the flexible alternative to bank loans.