BUY MORE STOCK
BUY A BUSINESS
IMPROVE CASHFLOW
PAY A LARGE BILL
PURCHASE A VEHICLE
How much funding can I get based on my card takings?
Most businesses can access up to 80% of their average monthly card revenue. Payments flex automatically. A small percentage of each card sale goes towards your balance. No fixed monthly bills. Funding that fits your cash flow.
DESIGNED FOR
Opportunity seekers focused on growth
Business Funding helps you act fast - expanding or refurbishing premises, increasing stock ahead of busy seasons, or launching new products and marketing campaigns.
Savvy businesses owners use this to fund growth, as the fixed fee can be used as a deductible against your corporation tax!
DESIGNED FOR
Those feeling a cashflow pinch
Business Funding gives you breathing space when costs hit at once. It’s ideal for covering VAT, wages, or supplier bills, replacing equipment, or staying steady through quieter periods - without facing fixed monthly repayments.
Approval is based on your card turnover, not your credit score, so applying won’t affect it.
Funding based on turnover
Funding that fits your business, your offers are based on your actual card turnover.
Apply once, receive multiple offers, and see how much you could unlock. Typically up to 80% of your average monthly sales.
90% Approval Rate
Get a “yes” where others say no.
Because decisions are based on your turnover, not your credit file, 9 out of 10 businesses are approved for funding - even those declined elsewhere.
No Effect on Credit Score
Check your eligibility risk-free.
Seeing what you qualify for won’t affect your credit rating. As it based on turnover, not credit score. Apply confidently and choose only once you’ve seen your offers.
Tax-Deductible & Clear Fees
Know the cost upfront and your fixed fee is agreed before you accept.
The fixed fee can also be used as a deductible against your corporation tax, reducing your tax bill for profitable businesses. Which is why savvy businesses owners use this to fund growth.
Repay as You Earn
Pay a small share of each sale. An agreed percentage of your daily card sales automatically goes toward repayment - higher on busy days, lower on quiet ones.
So no APR, expensive interest rates, lump sums, or monthly fee to stress about.
Apply in minutes
No business plans to submit. No paperwork.
Apply in minutes online. Then connect via secure open banking or upload recent statements - that’s it. This is all you need to do to get your offers.
Fast funding process
From application, to money in the bank, typically within 3-5 days.
Apply once, receive your multiple offers within 24-48 hours and see funds hit your account shortly after approval.
Renewals & Top-Ups
Keep cash flowing all year.
After you’ve repaid, you can top up or renew without reapplying - ideal for repeat growth or seasonal trading peaks.
How does repayment work when it’s based on my card sales?
When a customer pays by card, their payment is processed as normal. A small, agreed percentage of your daily card takings automatically goes toward repaying your funding. The remaining balance is deposited into your bank account as usual.
In other words, repayments rise and fall in line with your sales - more on busy days, less on quieter ones - making it a simple, flexible way to stay in control of cash flow.
TWO FUNDING ROUTES. ONE APPLICATION.
Business Funding and Flex Funds work differently - but you don’t have to choose upfront. Apply once, get matched to both, and decide which suits your turnover and cash flow - with no credit score impact.
Business Funding
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3+ months trading history
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One clear offer
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Funding typically 80% of monthly card turnover
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Annual card turnover £15k+
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No credit score impact
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Fixed fee deductible against corporation tax
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Repay via % of daily card sales
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Renewals available without re-applying
Full details >>
Flex Funding
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12+ months trading history
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One initial offer + follow up offer
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Initial amount £8k - £50k, dependant on turnover
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Follow up amount typically 2 x monthly card turnover
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Follow-up can act as a safety net, use only when needed
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Annual card turnover £100k - £900k
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No credit score impact
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Fixed fee deductible against corporation tax
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Repay via % of daily card sales
Full details >>
FLEXIBLE FUNDING IN JUST A FEW CLICKS - HERES HOW
Submit Application
Apply online in minutes & share your trading data via secure Open Banking or upload bank statements. Fast, safe & based on real business performance, not credit score.
Receive Offers
Within 24-48 hours, our funders review your trading history & eligibility, then send tailored offers showing; how much you can borrow, your fixed fee, & repayment terms.
Review & Decide
See multiple offers from one application. Each is based on turnover & checking eligibility won’t affect credit score. Choose which fits your goals, or decline, risk-free.
Sign & Receive Funds
Sign electronically & receive your funds typically within 24 hours. Fast access to flexible business funding built to keep your cash flow moving.
Make Payments
Repay as you trade. A % of daily card sales automatically toward repayment - higher when busy, lower when quiet. Fixed fee can be deducted against your tax bill.
CASE STUDIES
HOW SMART FUNDING CHANGES EVERYTHING
Real businesses. Real challenges. Real results.
We’ve helped UK businesses tackle cashflow gaps, seize growth, and scale fast - from £1,000 boosts that kept owners trading to £500,000 growth funds powering major expansion.
£25,000 saved payroll and kept the restaurant running.
A sudden PAYE larger than expected bill threatened staff payments - quick funding covered the gap, avoided disruption and kept service running smoothly.
More case studies >>
£40,000 in Business Funding allowed the takeaway to expand into mobile catering, reaching new crowds and tripling weekend revenue.
More case studies >>
Growth plans with funding added 3 vans, revenue soared.
Funding allowed advance stock purchases with better margins, ahead of the peak season - doubling sales and strengthening supplier relationships.
More case studies >>
£210,000 unlocked bulk buying power before Qtr4.
ABOUT US
Award-winning Funding. Power When You Need It.
Nationally recognised for helping businesses access fast, flexible finance - without delays or red tape.
20,000+ Businesses. £1B+ Funded
With our funding partners, we've helped thousands of SMEs secure over £1 billion - from £1K boosts to six-figure growth.
Award-Winning
Voted UK’s Top Funding Provider, beating 500+ competitors nationwide - proof we lead the market in results and speed.
Better Deals
We negotiate directly with lenders to unlock bespoke, not off shelf offers - faster than most.
Apply Today
Get Your Funding Offers
Apply once - compare both Business Funding & Flex Funds offers, fast. No credit impact. No risk. No obligation. Just clear options.
Multiple offers from trusted UK providers
Amounts, fees & daily % repayments shown clearly
Offers within 24-48 hours
Named funding specialist to guide you
It's fast, free and won't affect your credit score. Data protected and never sold
