No fixed term
No fixed monthly payments and no set end date. You pay more when it's busy and less when it's quiet.
Repay only when you sell
Get £10,000 to £500,000 for your business, up to 125% of your average monthly card takings. You repay a fixed share of your card sales, between 5% and 15%, so repayments follow your cash flow.
PayZu works with established business cash advance providers across the UK to help you secure a cash advance for your business.
- Approval in 24 hours
- Funds in 48 hours
- Soft credit check only
Funding available
£10k – £500k
Up to 125% of your monthly card takings
What is a business cash advance?
A business cash advance gives your business a lump sum of £10,000 to £500,000, up to 125% of your monthly card takings. It is repaid as a small share of your card sales for one fixed fee agreed upfront. PayZu is an introducer, not a lender.
Before you apply
- Amount
- £10,000 to £500,000, up to 125% of your monthly card takings
- Who can apply
- UK businesses trading 6+ months, taking £10,000+ a month by card
- Repayments
- An agreed 5–15% of your daily card sales
- Cost
- One fixed fee agreed upfront, no interest or APR
PayZu is an introducer, not a lender or a broker. All funding is subject to eligibility and approval by our funding partner.
Why a cash advance
A fast, flexible way to raise funds
One fixed fee
One all-inclusive cost, agreed upfront. No interest, no APR and no late payment fees.
Never more than 15%
Repayments are capped at 15% of your card sales, and only come from card sales.
Soft credit check only
No hard credit checks. Requesting a tailored quote won't affect your credit score.
Use it your way
Stock, equipment, refurbishment, staff or a quiet season: use the funds for any business purpose.
Dedicated manager
A dedicated relationship manager guides you through the whole funding process.
Flexible repayments
Funding that adapts to your sales
Unlike a bank loan, a business cash advance has no fixed monthly payments. You agree a percentage of your card sales upfront, and it's taken automatically as your customers pay. When business is booming you pay more, and when it's quiet you pay less.
- Agree a fixed percentage between 5% and 15%
- Taken automatically from your card sales
- Cash and bank transfer sales are never touched
How it works
The repayment process, step by step
Once your advance is agreed, everything runs automatically through your card payments.
- 1
The agreement
Agree a fixed percentage of your card sales, between 5% and 15%, to repay the advance.
- 2
Sell as usual
Keep serving your customers and taking card payments on your terminal or online.
- 3
Automatic deduction
The agreed percentage is taken automatically from your daily card transactions.
- 4
Business as usual
It's all automated, so the time it takes to receive your money doesn't change.
- 5
Balance reduces daily
Each day's repayment brings down the balance left on your advance.
- 6
Fully repaid
Collections stop automatically once the advance has been repaid in full.
Clear costs
One cost, agreed upfront
You agree one fixed fee before you take the advance, so you always know the total you'll repay. There's no interest, and the fee doesn't go up if it takes you longer to repay.
- No interest rates or APR
- No late payment fees
- No hidden fees
The basics
How a business cash advance works
A business cash advance is a lump sum paid to your business and repaid as an agreed share of your card sales, so you repay more when you are busy and less when it is quiet.
How it works
Your funding partner looks at your average monthly card takings and offers a lump sum of up to 125% of that figure. You pay one fixed fee, agreed upfront, and repay by an agreed 5% to 15% of your daily card sales until the advance is cleared. Decisions are typically made in 24-48 hours.
Who it suits
UK businesses that take most of their money by card and want flexible repayments, such as shops, cafes, restaurants, salons and garages. It can help with stock, refurbishment, equipment or a quiet season. If you do not take regular card payments, a business loan may suit you better, see our cash advance vs business loan guide.
What to have ready
- Your business name and how long you have been trading
- Recent card machine statements
- The amount you would like and what it is for
- Your contact details, so we can talk it through
We will talk you through the options and the cost before anything is agreed. Check your eligibility with a soft credit check. PayZu is an introducer, not a lender or a broker. All funding is subject to eligibility and approval by our funding partner.
Eligibility
Can my business apply?
To be eligible for a business cash advance, your business must:
Eligibility criteria
- Be trading for at least 6 months
- Be based in the UK
- Take at least £10,000 a month in credit and debit card payments, on average
- Take card payments through a card machine and/or an online payment system
Ideal for businesses like
- Pubs
- Restaurants
- Convenience stores
- Hotels
- B&Bs
- Retailers
- Dentists
- MOT garages
- Online businesses
- Hairdressers
- Beauticians
- And more
Not available for gambling businesses, estate agents, finance companies, travel agents or charities.
Cash advance vs traditional loan
See why many businesses choose flexible funding.
| Feature | Cash Advance | Bank Loan |
|---|---|---|
| Repayment | Flexible (% of card sales) | Fixed monthly |
| Term | No fixed term | Fixed term |
| Cost | One fixed fee, agreed upfront | Interest (APR) |
| Credit check | Soft check only | Usually a hard check |
| Speed | Approval in 24 hours, funds in 48 | Often several weeks |
| Late fees | None | Usually |
FAQ
Things people ask before they switch
Everything you need to know about setup, pricing and how PayZu works day to day.
Talk to our teamHow much could I get?
From £10,000 to £500,000, up to 125% of your average monthly card takings. The amount depends on your business and is subject to eligibility and approval.
Who can apply?
UK businesses trading for at least 6 months, taking an average of £10,000 or more a month in credit and debit card payments through a card machine and/or an online payment system.
How are repayments taken?
You agree a fixed percentage of your card sales, between 5% and 15%. It's taken automatically from your daily card transactions, so you pay more when it's busy and less when it's quiet. Collections stop once the advance is repaid in full.
What does it cost?
One fixed fee, agreed upfront. There's no interest, no APR and no late payment fees, and the fee doesn't increase if it takes you longer to repay.
Will it affect my credit score?
No. There are no hard credit checks. Only a soft credit check is carried out, which doesn't affect your credit score.
How quickly will I get the money?
Cash advance decisions typically take 24–48 hours, subject to approval by our funding partner.
Can I top up later?
Yes. Early top-ups and renewals are available, and you won't start paying for a new advance until the first one is completely repaid. Subject to approval.
Is PayZu the lender?
No. PayZu is a business-to-business introducer, not a lender or a broker. We introduce you to our funding partner, who makes all funding decisions. We don't charge fees to applicants but may receive a commission from the funding partner.
Not sure which suits you? Read our guide: business cash advance vs business loan.
Check your eligibility today
Find out how much you could access
Find out how much funding you could access in just a few minutes. No obligation, and requesting a quote won't affect your credit score.
- No upfront fees
- Soft credit check only
- Approval in 24 hours
- Funds in 48 hours