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Business cash advance

Business cash advances at one fixed cost. A quick and easy alternative to conventional bank loans, overdrafts and invoice factoring.

Business cash advances are a great choice for:

Running a seasonal business and your cash flow isn’t as strong in the quieter months

Accessing a cash injection to hire more staff or invest in marketing

Situations where you’ve previously been rejected by the banks

Introducing merchant funding

If you need immediate access to cash and your business accepts a monthly minimum of £2,500 in card sales, Merchant Funding could be the perfect financing solution for you and your business.

How it works

Step 1 - Your average card takings

We can provide you with a quote within 30 minutes and you could receive funding between £2,500 and £500,000 within 10 working days

Step 2 - Your bank account

Once the cash is deposited into your account, repayments are automatically deducted from your monthly card sales

Step 3 - Watch your business grow

There is no limitations on how you use the funds. It could be used for a planned refurbishment, buy bulk stock or new equipment

Step 4 - Get in touch to get started

03333 39 39 30

More about business cash advances

Who is it for?

You’re eligible for a business cash advance if you are a business who:


Take £2.5k+ per month in card takings


Need a cash injection but want flexible repayments


Have been trading over 4 months

How it works



Funding from £2,500 - £300,000


One fixed cost, with no APR, harsh varying terms or penalty fees


Flexible and painless repayments that support cash flow


A quick, easy and no hassle onboarding process


Assistance from our expert team

Great reasons to fund

Get a fair price based on the profile of your business

Plan ahead with confidence knowing the payments take care of themselves

Get back to running your business, with funds in your account quickly

You’re likely to hear a “yes”! We have higher approval rates than the banks

How repayment works

Our business cash advances are an advance of cash based upon your future credit/debit card sales. You repay this via a pre-agreed percentage of your business’ card transactions.

Since your repayment is linked to your business’ card takings, you only pay back the cash advance when your business is earning money. Unlike other forms of business funding, like bank loans, company or personal assets are not required to qualify.

If your business cash advance takes longer than expected to pay off, the agreed repayment cost remains the same. We do not add any penalties or fees as there’s no such thing as a late payment.

Why Novus Pay?


Over 70% of eligible customers renew


Higher approval rates than the banks


Award winning funding solutions


Supported by the British Business Bank


9/10 customers would recommend us

Benefits of merchant funding

No Security Required

Unlike standard business financing, Merchant Funding does not require any assets to secure your cash advance.

Super-Fast Application

Funds available within 10 working days and deposited straight into your bank account.

Auto Approval

Advances up to £15,000 for customers trading more than 3 years are auto-approved.

Flexible Repayments

Repayments are deducted from your card turnover so you only repay what you can afford.


Get in touch to apply today

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