Business Cash Advance
What is a business cash advance?
A business cash advance is a flexible funding solution designed for businesses that take regular payments through card terminals — such as retailers, cafés, salons, or service providers. Instead of fixed monthly repayments, the loan is repaid through a small percentage of your daily or weekly card sales.
This means repayments naturally align with your cash flow: you repay more when sales are strong, and less during quieter periods.
If your business takes £3,000 or more per month in card payments, you could be eligible.
Who is it for?
If you rely on a card machine for day-to-day transactions, this type of funding offers flexibility without the pressure of fixed monthly payments.
Business cash advances are ideal for customer-facing businesses such as:
- Retail shops
- Cafés and restaurants
- Barbers, salons, and beauty clinics
- Gyms, garages, and service-based businesses
Some of the benefits:
No asset security needed
High approval rates
Fast access to funds
No fixed repayments
Top-up options available
Easy to manage
How does it work?
Once approved, the agreed funding amount is transferred to your business account. A small percentage of your future card sales is then automatically deducted until the advance is fully repaid. There are no fixed deadlines, and no penalties for slower months — you repay at the pace of your business.
Who is eligible?
To apply for a business cash advance, your business will typically need to:
- Be based in the UK
- Take at least £3,000 per month in card payments
- Use a supported card terminal or payment provider
If you meet the criteria, we’ll help you access funding quickly and with minimal paperwork.
Start your application now or request a callback. We’re ready when you are.
Choose from a range of tailored finance products, including asset finance, hire purchase, and business loans — all structured to suit your goals.
Our simple online application takes minutes to complete. With fast decisions, flexible terms, and expert support from enquiry to approval.
How does CLS business funding work?
01
Apply in minutes
Our process is fast and straightforward — designed for busy business owners. Just share a few key details about your company and what you need funding for. We’ll do the rest.
02
Access your funds
Once approved, the funds can be used to invest in equipment, manage cash flow, or support business growth. In most cases, decisions are made quickly, and the funding is released within days.
03
Flexible repayments
We offer flexible terms with no early repayment penalties. If your needs change, we can explore top-up options or adjust your agreement as your business grows.
04
Apply Now
Applying won't affect your credit score.