Revenue-based finance
Funding repaid as a share of your daily or weekly takings, also known as a merchant cash advance.
- How much
- £5,000 – £500,000
- Typical terms
- 3 – 18 months (repaid by turnover share)
- How fast
- Same-day decisions are often available up to £100k. Timings vary by lender.
Indicative only. Subject to lender assessment and approval. How we're paid: our service is free to your business; we receive a commission or finder's fee for arranging finance. Broker Terms
Revenue-based finance calculator
Total to repay
£57,500 – £65,000
- Advance (up to)
- £50,000
- You could be offered
- £40,000 – £60,000
- Estimated time to repay
- about 10–16 months
- Per £1,000 of card takings
- about £100–£150
Repaid as a share of your card takings (10%–15%), so you pay more in busy months and less in quiet ones. Factor rate 1.15–1.30. Advances are usually 1–1.5× monthly card takings.
Illustrative only. Indicative only. Subject to lender assessment and approval.
What it is
You receive an advance and repay an agreed total through a percentage of your card takings or bank receipts.
Repayments flex with your trading, so quieter weeks cost you less and busier weeks clear the balance faster.
Also referred to as a merchant cash advance where repayments come from card terminal settlements.
Who it suits
- Retail, hospitality, ecommerce and other companies with steady card or online takings.
- Seasonal businesses that want repayments to move with income rather than a fixed monthly figure.
- Companies with limited filed accounts but strong, provable turnover.
What you need
To get started
- An active limited company with regular card or online receipts
- Usually 4 – 6 months of merchant statements or bank statements
- A rough idea of the share of income taken by card
Pros
- Repayments rise and fall with your takings
- Often available where filed accounts are thin
- No fixed monthly repayment date to manage
Watch-outs
- Total cost is usually higher than a term loan
- A high repayment share can squeeze working capital
- Best suited to short-term needs rather than long-term investment
FAQ
Revenue-based finance, explained.
Check your revenue-based finance options in minutes.
Start with your company name. No credit check, no obligation, and a named relationship manager if you want to talk it through.
UK limited companies and LLPs. Indicative only. Subject to lender assessment and approval.