Apply, decide, funded. Three steps.
The fastest commercial finance product in the UK. Here's how it actually works.
Apply (60 seconds)
Tell us about your business in four steps: name and sector, how long you've been trading, average monthly card takings, what you need to fund. No documents at this stage, no credit check, no commitment. Submit and we come back within a working day.
Decision (24 hours typical)
We match your profile against our lender panel and come back with options. For each option you'll see: advance amount, fixed cost, total repayable, estimated daily repayment %, estimated term, and any conditions. You decide which (if any) to proceed with.
Funded (typically 24 to 72 hours)
Once you've picked an option, the lender runs their full underwriting, including bank statement analysis, credit check, and a quick call. Decision in 24 hours, funds typically 24 to 72 hours.
What we'll ask for.
For the initial quote
- Business name and trading address
- Sector
- How long you've been trading
- Average monthly card takings (last 6 to 12 months)
- How much you're looking to borrow
- What you'll use the funds for
For the full underwriting
- 6 to 12 months of business bank statements
- 6 to 12 months of card processor statements (or consented read-only access)
- Latest signed accounts (if over 2 years trading)
- Director ID (passport or driving licence)
- Director proof of address (utility bill, council tax)
- Signed personal guarantee (most lenders require one)
Work out the real cost.
New businesses typically start at a higher daily % and a shorter term.
£45,000 is the maximum advance for your card takings (150% of monthly card takings).
Illustrative only, not a quote.
- Advance£45,000
- vs card takings150%
- Fixed cost1.25
- Daily repayment£148
- Avg monthly£4,500
- Est. term12.5 months
Illustrative. The fixed cost is set on day one; daily repayment varies with takings. Term capped at 18 months.
Illustrative only, not a quote. Every figure here is subject to the funder. Funders advance anywhere from 100% up to 150% of monthly card takings, so 150% is not guaranteed, and the fixed cost is not guaranteed either. Your actual advance, fixed cost and terms depend on the funder and your business profile.
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Apply with these numbersWhen it's slower.
Most MCA applications are fast. Some aren't. Here's what tends to extend the timeline:
- Complex structures (groups, holdcos, recent acquisitions)
- Significant historic CCJs or defaults (still fundable, but needs more work)
- Industries on some lenders' restriction lists (gambling, cash-heavy retail, some adult industries)
- Requested amounts at the top of our panel's risk appetite
- Unusual card processor setups (multiple acquirers, recent switches, platform-only income)
- Pre-revenue or very thin trading history (under 6 months)
If any of the above apply, we'll tell you upfront and give a realistic timeline. We don't overpromise to win the business.
Ready to start?
Sixty seconds to apply. Decision in 24 hours, funds typically 24 to 72 hours. Up to 90% approval for qualifying businesses.
Ready when you are
Ready to apply?
60 seconds to apply. 1 working day to a decision. No obligation, no credit footprint for the initial check.
Up to 90% approval for qualifying businesses