Merchant Cash Advance

Flexible funding that flexes with you

Access working capital without long forms, fixed repayments or slow decisions. Repay through a small percentage of your daily card sales — when trade is strong you repay faster, when it's quieter you repay less.

Flexible Repayments
Quick Decisions
No Hidden Fees
Based on Card Sales

How it works

Instead of set monthly payments, the advance is repaid through a small, agreed percentage of your daily card transactions. There's no interest, no hidden fees and no unexpected charges — just a clear, upfront cost that stays the same from day one.

No fixed monthly repayments
Repay automatically through card sales
No interest — one clear upfront cost
Minimal paperwork, quick decisions
Funds released rapidly
No need to change your payment setup
Perfect for cash flow, refurbishments, stock or short-term opportunities

Check your eligibility

Tell us about your business and we'll let you know if a Merchant Cash Advance could work for you.

Reply in under 2 business hours. Prefer to talk? Call 0800 368 2989

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Local Support

Serving North West UK businesses

Customer Stories

See what our customers say about our Merchant Cash Advance

Real feedback from UK businesses that used CanDo's cash advance to unlock growth.

Google

Having to use big company that leave me with no service and had to figure everything out myself, Sam and Gary definitely provide excellent service and make my life so much easier. They came all they way to visit the business and even help us with the installation which was a huge help for me. They make sure everything works well and very quick to respond to my questions. Overall, the whole process was very easy and I'd recommend ePay to everyone who need payment service.

Lina Tejoprayitno

15-Mar-22

Trustpilot

Do it!

We were a bit weary moving over to a smaller provider but we shouldn’t have been. Were a family run hotel and enjoy the personal touch Sam and Gary have provided. They offered us a massive saving, up to date equipment, smooth switch and excellent support. We have multiple terminals and have had no issues at all. When We have needed help with little things, they got back to us straight away. Highly recommend and have already recommended to other local businesses.

Ffion

May 2022

Google

Epay has been absolutely brilliant for our business. The advice we have been given has been perfect and we have always felt like we've had the right terminal and payment solution as our business has grown and developed. The customer service is second to none. It's not often you can just call up the head office and speak to someone direct within a matter of minutes. I would recommend Epay to any business! Positive Responsiveness, Quality, Professionalism

Sugar Cafe

30-Jun-21

CanDo Payments Ltd acts solely as an independent introducer. Finance products are provided by third-party lenders and finance providers and are subject to status, eligibility and underwriting criteria. CanDo Payments Ltd does not provide lending, credit facilities or regulated financial advice.