Working Capital Based on Card Sales UK: Funding Options, Eligibility and Costs in 2026

By Jodhbir Mehmi | Mehmi Financial Group

Information reviewed: 12 October 2026

Working capital based on card sales in the UK allows eligible businesses to obtain upfront funding using their existing debit and credit card transaction history. The funding is typically structured as a merchant cash advance, with collections calculated as an agreed percentage of future card payments.

This financing can help businesses manage short-term cash-flow gaps, purchase inventory, pay suppliers, cover operating expenses or prepare for periods of increased customer demand.

Unlike a conventional business loan, a genuine merchant cash advance is often structured as a purchase of future receivables rather than a loan with fixed monthly instalments.

UK businesses can investigate sales-linked funding through providers and programmes including 365 Finance, Worldpay Business Finance, Teya Cash Advance, Square Cash Advance, PayPal Working Capital and Stripe Capital.

The key consideration is whether using future card receipts to obtain working capital today will improve the business's financial position after accounting for fees and deductions.

This guide explains how card-sales working capital works, how to calculate your funding requirement, which businesses may qualify and how to evaluate the costs before accepting an offer.

What Is Working Capital Based on Card Sales?

Working capital is the money a business needs to support its everyday operating activities.

It helps a company purchase inventory, pay suppliers, meet payroll, cover premises costs and manage the timing difference between expenses and incoming customer payments.

In accounting terms, net working capital is calculated as:

Working capital = Current assets − Current liabilities

However, positive net working capital does not necessarily mean a business has sufficient cash immediately available.

For example, a retailer may hold substantial inventory but still need cash to pay a supplier before that inventory is sold.

Card-sales-based working capital is a financing method designed to address some of these short-term funding requirements.

A provider reviews the company's historical card transactions and, if the application qualifies, offers an upfront amount in exchange for a contractual share of future eligible sales.

The business receives funding immediately following approval and completion, while the provider collects an agreed percentage of subsequent card receipts.

The British Business Bank identifies inventory, supplier payments, payroll and other operating requirements as important components of working-capital management.

Is card-sales working capital a business loan?

Not necessarily.

Many UK card-sales funding arrangements are merchant cash advances, legally structured as purchases of future receivables.

A traditional business loan generally involves borrowed principal, interest and a defined repayment schedule.

A merchant cash advance typically has an agreed funding fee and sales-linked collections.

However, providers may offer different financing structures, and some impose minimum repayment obligations.

The actual agreement determines the nature of the financing.

How Does Working Capital Against Card Sales Work?

The process begins with the business's existing transaction history.

First, the provider reviews card-processing activity

A funding provider examines eligible debit and credit card receipts, trading history and other underwriting information.

It may review recent transaction volumes, changes in revenue, payment consistency, refunds and existing financial obligations.

A business with regular card receipts may be easier to assess than one with highly irregular sales or insufficient transaction records.

Next, the business receives a funding offer

If the application is eligible, the provider may offer an advance based on the business's financial profile.

The proposal should identify the net funding amount, fixed financing fee, total amount to be collected and percentage of eligible sales allocated towards repayment.

The business receives working capital

After approval and completion of the relevant checks, the funds are released.

The money may be used for permitted commercial expenses, depending on the agreement.

Future card receipts fund the collections

The provider collects an agreed percentage of qualifying card transactions.

For example, if the agreed deduction is 10%, a business processing £1,000 in eligible daily card payments would allocate approximately £100 towards the advance.

The amount collected may rise or fall with transaction volume.

However, certain programmes include minimum repayment provisions, so lower sales do not always eliminate other contractual payment obligations.

When Would a UK Business Need Working Capital Against Card Sales?

Card-sales funding is generally most relevant when a business has an identifiable short-term requirement and sufficiently established customer transaction revenue.

Purchasing inventory before seasonal demand

Retailers, convenience stores and e-commerce businesses often need to purchase additional stock before customer sales occur.

A business preparing for Christmas, summer tourism or another seasonal period may need to pay suppliers weeks before receiving the corresponding revenue.

An advance against card receipts can provide capital for the purchase, but only if the expected sales and margins justify the financing cost.

Managing supplier payment deadlines

A restaurant may need to pay food and beverage suppliers while simultaneously covering rent, wages and other recurring expenses.

An advance can provide temporary liquidity, but it does not reduce the underlying operating cost of the business.

The funding should address a defined short-term gap rather than become a permanent substitute for sufficient cash reserves.

Covering unexpected business expenses

Equipment failures, emergency repairs or other unexpected costs can reduce available cash.

A café replacing a commercial refrigerator, for example, may need funding before sufficient cash has accumulated from normal trading.

However, equipment financing may be more appropriate for larger assets used over several years.

Supporting expansion-related working capital

Opening additional trading space, purchasing extra inventory or increasing staffing can create expenditure before the associated revenue is received.

A merchant cash advance may help bridge that gap.

However, expansion funding should be based on reasonable financial projections rather than an assumption that future sales will automatically increase.

Managing seasonal revenue fluctuations

Businesses such as pubs, cafés, restaurants, hotels and tourism-related retailers can experience significant differences between peak and off-peak sales.

Sales-linked collections may provide some flexibility.

However, the business must review contractual minimum payments and consider whether reduced sales will leave enough money for essential expenses.

How to Calculate Your Working Capital Funding Requirement

One of the most important steps is determining how much working capital the business actually needs.

A business should not automatically apply for the largest amount offered by a finance provider.

Instead, calculate the expected cash shortfall after protecting money required for essential expenses.

Example: A retailer with a £15,000 working capital gap

Consider a hypothetical UK retailer preparing to purchase additional inventory.

The business has £9,000 in its bank account.

However, £4,000 is required for upcoming payroll and £2,000 has been reserved for tax payments.

This leaves approximately £3,000 in cash available for the stock purchase.

The supplier requires £18,000 to fulfil the order.

The immediate funding gap is therefore £15,000.

The retailer could investigate a £15,000 working-capital facility to cover that gap.

However, the business should also consider whether supplier payment terms, a revolving credit facility or another financing arrangement would be less expensive.

The funding requirement should be calculated from the real cash shortfall, not simply the size of the supplier invoice.

Why timing matters

A £15,000 funding gap expected to resolve in 30 days is a different financing problem from a business that requires £15,000 every month to cover operating losses.

A one-off shortfall may be appropriate for short-duration financing.

A recurring shortfall may indicate that the company needs a more sustainable working-capital structure or changes to its operating model.

Working Capital Based on Card Sales: Repayment Example

Assume the retailer in the previous example obtains a hypothetical £15,000 merchant cash advance.

The agreed terms are:

Funding received: £15,000.

Fixed financing fee: £3,000.

Total contractual repayment: £18,000.

Card-sales collection percentage: 10%.

Average eligible monthly card sales: £40,000.

At that sales level, the provider would collect approximately £4,000 per month.

Assuming constant sales, no additional charges and no minimum payment provisions, the £18,000 contractual amount would be collected over approximately 4.5 months.

The total financing fee is £3,000.

That equals 20% of the amount advanced, but it is not equivalent to a 20% annual percentage rate.

Because collections are made throughout the funding period, the annualised economic cost can be considerably higher.

What happens if monthly card sales decline?

Suppose monthly card sales fall from £40,000 to £20,000.

At the same 10% deduction, the provider would collect approximately £2,000 per month.

Under the simplified assumption that sales remained at £20,000 throughout the arrangement, it would take approximately nine months to collect the £18,000 total.

Lower sales reduce the amount deducted under a straightforward percentage-based structure, but they also reduce the business's revenue.

That distinction is important when assessing affordability.

What happens if sales increase?

If monthly eligible card sales rise to £50,000, a 10% deduction would collect approximately £5,000.

The advance would be collected sooner, assuming the other terms remain unchanged.

However, the financing fee may not decrease merely because the advance is repaid more quickly.

A shorter repayment period can increase the effective annualised cost of a fixed-fee advance.

Will Card-Sales Funding Actually Improve Your Cash Flow?

Receiving an advance increases available cash immediately, but it also commits a portion of future receipts.

A business must therefore evaluate both the benefit of funding today and the effect of collections tomorrow.

Calculate your operating margin

Consider a hypothetical restaurant processing £40,000 in monthly card sales.

Assume its gross profit margin is 25%.

That produces approximately £10,000 in gross profit before operating overheads.

If a merchant cash advance collects 10% of card receipts, the provider receives approximately £4,000 monthly.

That collection represents 40% of the illustrative gross profit.

The restaurant must still pay rent, wages, utilities, insurance, taxes and other operating expenses.

Although part of the collection repays the money advanced, the full £4,000 still reduces cash available from current trading.

A business can therefore satisfy a provider's turnover requirement while having insufficient free cash flow to support the proposed advance comfortably.

Calculate the return on the funded expenditure

Suppose a retailer uses £15,000 of funding to purchase additional inventory.

The retailer expects to sell that inventory for £24,000.

Its expected gross profit on the stock would be £9,000 before additional costs.

If the financing fee is £3,000, that fee would consume one-third of the expected gross profit.

The retailer would have £6,000 remaining from that gross profit before other expenses, taxes, losses or additional selling costs.

This does not automatically mean the investment is profitable. The retailer must establish whether the sales are genuinely incremental, when the stock will sell and what other expenses are required to generate the revenue.

A useful working-capital decision compares the realistic incremental benefit of the expenditure against the full cost and cash-flow effect of the financing.

What Are the Eligibility Requirements for Card-Sales Working Capital in the UK?

Requirements vary between funding providers and payment platforms.

The main factors generally include trading history, eligible transaction volume, business structure and repayment capacity.

Established trading activity

Most funding providers need enough transaction history to assess the business's sales patterns.

Some products advertise eligibility beginning at six months of trading.

Other programmes evaluate the merchant's history on a particular payment platform.

Regular debit and credit card receipts

Card-sales financing is generally designed for businesses with qualifying customer payments.

A company generating most of its income through cash or bank transfers may have fewer traditional merchant cash advance options.

Broader revenue-based products may use additional revenue sources, subject to the provider's criteria.

Business financial condition

Funding providers may evaluate existing debt, credit history, declining revenue, bank account activity and other risk indicators.

A previous bank decline or imperfect credit history does not automatically prevent consideration.

However, serious arrears or an inability to support repayments can make additional financing unsuitable.

Eligible business structure

Some providers accept limited companies, sole traders and partnerships.

Others restrict eligibility to specific business types.

The applicant should confirm whether the chosen programme accepts its legal structure before submitting an application.

Repayment affordability

Card turnover is only one component of financial capacity.

The business must also assess the operating expenses and existing obligations that will continue after funding.

Meeting a published turnover minimum does not mean an advance is affordable or approved.

UK Providers Offering Working Capital Based on Card Sales

Several UK funding companies and payment platforms offer merchant cash advances or related revenue-based financing.

The following options have different eligibility conditions and collection arrangements.

365 Finance — Card-Sales Working Capital

365 Finance provides working-capital financing through its Rev&U merchant cash advance structure.

Its main published criteria include at least six months of trading and £10,000 or more in monthly debit and credit card sales.

The company advertises advances up to £500,000, subject to underwriting.

Collections typically represent 5% to 15% of qualifying card transactions.

The programme may be relevant to established UK retailers, restaurants and other businesses accepting regular card payments.

Worldpay Business Finance — Funding Through Liberis

Worldpay Business Finance offers business cash advances through Liberis.

Its published programme is available for eligible Worldpay merchants, including businesses with at least 10 monthly card transactions totalling more than £1,000.

Worldpay indicates that an established processing history is preferred, although prior card takings from another provider may also be considered.

The financing is repaid using an agreed percentage of Worldpay card transactions.

The programme advertises funding from £1,000 to £300,000, subject to underwriting.

Teya Cash Advance — Working Capital Linked to Daily Takings

Teya Cash Advance provides funding to eligible businesses using Teya payment services.

According to its guidance updated in June 2026, the programme operates with financing partners including Liberis, YouLend and iwoca.

Teya describes funding amounts typically ranging from £1,000 to £500,000.

Collections are generally linked to a fixed percentage of daily card sales.

However, a minimum repayment requirement set by the funding partner can apply.

Businesses should review that requirement before assuming collections are entirely flexible.

Square Cash Advance — Funding Against Square Sales

Square Cash Advance offers qualifying UK Square merchants funding in exchange for a percentage of future card receipts.

The product is currently available to eligible sole traders and partnerships, rather than limited companies.

Square identifies at least £10,000 in card payments over the previous 12 months and payment activity on 20 or more separate days as relevant eligibility indicators.

Funding offers appear automatically for eligible merchants.

Square states that its Cash Advance does not have fixed repayment instalments or scheduled minimum payments.

PayPal Working Capital — Finance Based on PayPal Revenue

PayPal Working Capital allows eligible businesses to obtain funding based on qualifying PayPal sales and account history.

Published minimum requirements include a PayPal Business account active for at least 90 days and at least £9,000 in eligible annual PayPal sales.

The programme charges a fixed fee and collects an agreed percentage of eligible PayPal transactions.

It also requires minimum repayment progress every 90 days.

This option may be relevant to e-commerce businesses and other established PayPal merchants.

Stripe Capital — Funding for Eligible Online Merchants

Stripe Capital provides access to business financing for selected merchants processing payments through Stripe.

In the UK, Stripe Capital funding is provided by YouLend.

Eligible businesses can review financing offers within their Stripe account.

Repayments are linked to a percentage of qualifying sales, subject to the particular product and contractual terms.

Provider selection tip: Start by reviewing your existing payment-processing relationship, but compare the actual offer against other appropriate financing options before accepting it.

Can Working Capital Be Funded Using Online Card Sales?

Yes.

A physical card terminal is not always required.

Businesses accepting qualifying online payments may access funding based on digital card transactions.

For example, an e-commerce retailer processing payments through Stripe may qualify for a platform-based financing offer.

An established PayPal merchant may qualify for PayPal Working Capital.

However, online payment activity must meet the relevant provider's requirements.

Refunds, chargebacks, transaction irregularities and payment-platform account restrictions can affect eligibility.

A business receiving most revenue through marketplace disbursements or bank transfers should confirm whether the specific programme accepts those payment sources.

Can You Use Card-Sales Funding to Pay Suppliers?

Depending on the provider's permitted uses, merchant cash advance funding can be used to pay legitimate business suppliers.

This may be relevant when an inventory purchase must be completed before the business receives corresponding customer payments.

However, supplier finance should be evaluated against the expected inventory turnover.

For example, financing a stock purchase expected to sell within six weeks creates a different repayment profile from financing inventory likely to remain unsold for twelve months.

Before accepting the advance, consider whether the stock is essential, whether there is sufficient customer demand and whether the expected gross margin justifies the funding fee.

Negotiating longer supplier payment terms may be preferable when feasible.

Can Card-Sales Funding Cover Payroll?

Some providers permit merchant cash advances to be used for general business working capital, including wages and other operating expenses.

However, businesses should distinguish between a temporary timing mismatch and a persistent inability to cover payroll from operating revenue.

A short-term delay in customer receipts may justify reviewing financing.

A business repeatedly borrowing to pay ordinary wages may need to examine its pricing, expenses, profitability and underlying operating model.

Expensive sales-linked funding can worsen the problem if it reduces future receipts needed for the next payroll period.

How Do Card-Sales Deductions Affect VAT?

Some merchant cash advance programmes calculate collections on gross card transaction values, which may include VAT.

For example, Square states that its deduction percentage applies to eligible gross card sales, including applicable VAT and tips.

Consider a hypothetical card transaction of £120, including £20 of VAT at the standard rate.

If the financing agreement collects 10% of the gross transaction, £12 is allocated towards the advance.

That deduction does not remove the business's obligation to account for VAT.

The actual VAT liability depends on the business's tax position, input tax and applicable VAT arrangements.

Business owners should ensure that financing collections do not consume cash needed for future HMRC payments.

Always confirm whether the collection percentage applies to gross card receipts, net settlements or another contractual definition of eligible sales.

Can You Qualify With Bad Credit?

Some providers consider businesses with less-than-perfect credit histories, particularly when transaction performance is strong.

However, card sales do not eliminate the need for underwriting.

A provider may review existing loans, unpaid obligations, adverse credit events, recent turnover and overall financial stability.

For example, Worldpay's funding partner Liberis considers business performance but also performs credit and affordability checks.

A previous conventional bank decline does not guarantee eligibility for a merchant cash advance.

Businesses should be cautious of claims promising universal approval or financing without meaningful assessment.

Does an Existing Merchant Cash Advance Affect Eligibility?

It can.

An existing advance may already claim a percentage of future card receipts.

Additional financing can reduce the revenue remaining for inventory, wages, suppliers and other expenses.

Some providers also restrict customers from obtaining additional advances while an existing agreement remains outstanding.

For example, PayPal Working Capital generally requires the current advance to be repaid before a new one is obtained, unless an early renewal is offered.

A business considering another advance should calculate the combined collection burden and review any existing contractual restrictions.

Repeatedly obtaining new funding to repay old advances can create an unsustainable financing cycle.

How to Apply for Working Capital Based on Card Sales

A business preparing an application should complete the following checks before committing to funding.

1. Calculate the cash shortfall. Determine the amount required after reserving funds for payroll, tax, rent and other committed expenses.
2. Review card turnover. Calculate average eligible card receipts over recent months and identify seasonal fluctuations.
3. Assess affordability. Estimate the proposed collection percentage using normal and reduced-sales forecasts.
4. Identify suitable funding providers. Check trading-history requirements, payment-platform eligibility and supported business structures.
5. Prepare supporting information. Gather bank statements, card-processing records, company details and existing finance information where required.
6. Compare actual offers. Review net funding, total cost, collection percentage, minimum repayment obligations, guarantees and settlement conditions before signing.

Providers may request additional documents during underwriting.

No eligibility indication, application or preliminary offer guarantees final approval.

Working Capital Based on Card Sales vs a Business Line of Credit

A merchant cash advance and a revolving business line of credit can both address short-term working-capital needs.

However, they operate differently.

Card-sales working capital

A merchant cash advance typically provides one upfront amount in exchange for a share of future eligible sales.

The total cost is commonly agreed as a fixed fee.

Collections are often automatic and tied to transaction activity.

The financing is usually suited to a defined short-term expenditure rather than indefinite recurring use.

Business line of credit

A business line of credit provides access to an approved borrowing limit.

A qualifying business can draw funds, repay them and potentially borrow again within the facility's terms.

Interest is often charged on the amount borrowed, although fees and other charges may apply.

A revolving facility may provide a more sustainable arrangement for recurring working-capital cycles, subject to approval and financial suitability.

Which should you consider?

If your business has a clearly defined, temporary need and strong card revenue, a merchant cash advance may be worth investigating.

If the business faces repeated working-capital fluctuations throughout the year, a revolving credit facility may provide greater flexibility and potentially lower costs.

The decision should be based on the actual financing terms and the expected duration of the funding requirement.

Alternatives to Working Capital Based on Card Sales

Businesses should compare cash advances with other relevant funding structures before deciding.

Unsecured business loans

An unsecured business loan may offer scheduled instalments over a defined term.

For qualifying applicants, it may have a lower overall financing cost than a merchant cash advance.

However, underwriting standards, credit requirements and repayment flexibility differ.

Invoice finance

Invoice finance can be useful for businesses receiving most revenue through commercial invoices.

An invoice finance provider may advance funds against qualifying unpaid customer invoices.

This can be more suitable for wholesalers, trades and business-to-business suppliers than a funding arrangement dependent on card transactions.

Business overdrafts

An overdraft allows an eligible business to borrow within an agreed account limit.

It may support temporary cash-flow shortages, although availability, interest rates, limits and fees vary.

Supplier credit

Negotiating longer payment terms with suppliers can reduce immediate cash requirements.

This may be particularly useful when the funding need arises from purchasing stock before expected sales.

Equipment finance and leasing

Where the expenditure relates to machinery, vehicles or commercial equipment, dedicated asset finance may provide an appropriate repayment structure.

A longer-term asset should not automatically be financed through an expensive short-term claim on card revenue.

When Should You Avoid Card-Sales Working Capital?

Card-sales funding may be unsuitable when the business cannot afford deductions from future receipts.

Warning signs include consistently negative operating cash flow, substantial arrears, excessive existing financing and declining revenue without a credible recovery plan.

It may also be inappropriate when the business needs permanent working capital rather than a one-off cash-flow bridge.

A merchant cash advance does not create additional business revenue by itself.

It brings forward cash in exchange for a future financial obligation.

The British Business Bank's merchant cash advance guidance identifies the potentially higher cost of MCAs compared with other business finance options.

The financing should address a defined commercial need and remain affordable after accounting for the reduction in future receipts.

Is Working Capital Based on Card Sales FCA-Regulated?

The regulatory position depends on the actual financial arrangement.

Many UK merchant cash advances are structured as purchases of future receivables rather than conventional credit agreements.

For example, Liberis states that its Business Cash Advance is receivables finance, not a loan, and is not FCA-regulated.

Square similarly states that its UK Cash Advance product is not regulated by the Financial Conduct Authority.

However, other products described as working-capital finance may have different legal structures.

The FCA's September 2026 review of SME access to finance identifies qualifying business lending of £25,000 or less to sole traders and small partnerships as generally falling within its consumer credit regulatory perimeter.

That does not mean every merchant cash advance is regulated in the same way.

Applicants should confirm the legal funding entity, whether the specific product is regulated, and which contractual and complaint protections apply.

FCA authorisation for payment services or another activity does not automatically make a merchant cash advance a regulated lending product.

Frequently Asked Questions

Can I get working capital based on my card sales in the UK?

Yes. Eligible businesses may obtain working capital through merchant cash advances or qualifying revenue-based funding programmes. Approval depends on the provider's assessment of sales history, business performance and other eligibility criteria.

How much card turnover do I need?

There is no universal minimum. 365 Finance advertises at least £10,000 in monthly card sales, while Worldpay Business Finance has different transaction requirements for eligible merchants. Each provider applies its own underwriting rules.

How much working capital can I receive against card sales?

The amount depends on the provider, your eligible card turnover, trading history, existing financial obligations and overall financial condition. Published maximums do not guarantee an individual funding offer.

Can I get card-sales working capital with bad credit?

Potentially. Some providers assess transaction activity alongside credit history. However, defaults, arrears or other financial difficulties can still affect eligibility and pricing.

Can I get funding with six months of trading?

Some providers, including 365 Finance, advertise a minimum trading period of six months. Other programmes use different account-history and underwriting requirements. Meeting the minimum does not guarantee approval.

Can limited companies obtain card-sales working capital?

Yes, some UK providers accept eligible limited companies. Other programmes, such as Square Cash Advance, currently restrict access to qualifying sole traders and partnerships.

Do I need a physical card machine?

Not necessarily. Certain programmes accept businesses with qualifying online card-payment activity through platforms such as Stripe and PayPal.

Can funding be used to buy inventory?

Depending on the agreement, funds may be used for stock purchases. The business should compare the expected gross profit and sales timing against the full financing cost.

Can I use working capital to pay VAT or other tax liabilities?

Permitted uses depend on the provider. However, borrowing to meet recurring tax shortfalls can increase future cash-flow pressure. Businesses with tax arrears should also investigate appropriate arrangements with HMRC and obtain professional advice where necessary.

Do repayments change when card sales decrease?

Under a straightforward sales-percentage arrangement, the amount collected generally declines with eligible sales. However, some providers impose minimum repayment requirements that continue during slower periods.

Do I need to provide collateral?

Many merchant cash advances do not require specific property or machinery as collateral. Nevertheless, some agreements include personal guarantees, indemnities or other contractual protections.

Can I apply if I already have a business loan?

Possibly. Existing loans may affect affordability and eligibility. The business should also check for contractual restrictions before taking additional finance.

Is card-sales working capital more expensive than a business loan?

It can be. Merchant cash advances may have a higher annualised economic cost than conventional loans. Businesses should compare total fees, repayment timing and contractual obligations using actual written offers.

How quickly can I receive working capital?

Some providers advertise decisions and funding within short periods for eligible businesses, but actual timing depends on documentation, underwriting, verification and banking arrangements. No funding timeline is guaranteed.

Can I repay early and save money?

Early settlement provisions vary. Some fixed-fee merchant cash advances require the full contractual fee even when the balance is collected sooner than expected.

What happens if I switch payment processors?

Changing payment processors can affect the agreed collection mechanism. Some agreements require notification or impose restrictions. Review the financing contract before switching providers.

Is card-sales funding suitable for seasonal businesses?

It can be suitable where collections adjust to trading levels and the business has sufficient margin and reserves. However, the advance must remain affordable during quieter periods, particularly if minimum collection obligations apply.

Final Checklist: Is Card-Sales Working Capital Right for Your Business?

The strongest reason to consider this form of financing is a clearly identified short-term cash requirement supported by recurring card-payment revenue.

Before accepting an advance, establish how much funding is needed, how it will be used and whether the anticipated commercial benefit justifies the financing cost.

Compare the total repayment obligation against alternative funding structures.

Confirm the percentage of card takings that will be collected, whether minimum payments apply and how the agreement operates during periods of lower revenue.

Ensure sufficient cash remains available for suppliers, employees, rent, VAT and other essential expenses.

The objective is not simply to obtain more cash today. It is to improve the business's financial position without creating an unsustainable burden on future sales.

Explore Working Capital Funding for Your UK Business

If your business processes regular card payments and needs additional working capital, the first step is to assess your financial position and determine whether sales-linked funding is appropriate.

At Mehmi Financial Group, we help businesses discuss commercial financing requirements and explore potential next steps, subject to geographical requirements and available financing arrangements.

Whether your business operates in hospitality, retail, e-commerce, food service or another commercial sector, understanding your transaction history and cash-flow requirements can help determine which financing structures are worth considering.

Discuss Your Working Capital Requirements

Tell us your business industry, location, trading history, approximate monthly card sales, funding requirement and intended use of capital.

Our team can review your initial enquiry and confirm whether a suitable UK financing or referral route is available.

Explore your business funding options before committing future card revenue to an advance.

Contact Mehmi Financial Group — Discuss Working Capital Funding

Mehmi Financial Group is a Canada-based commercial financing intermediary, not a bank or direct lender. UK services are subject to applicable local requirements and the availability of suitable third-party financing or referral arrangements. References to funding providers do not imply an existing partnership, endorsement or ability to submit applications. Contacting Mehmi Financial Group does not constitute a lender application. All financing is subject to independent underwriting, verification, eligibility and contractual terms. Intermediary commissions or referral fees may apply. No funding amount, approval, pricing or funding timeline is guaranteed. This article is educational and does not constitute personalised financial, tax or legal advice.

Sources and Further Reading

Working capital guidance: British Business Bank — Dealing With Working Capital Problems and Why Working Capital Is Important.

Merchant cash advance guidance: British Business Bank — Small Business Guide to Merchant Cash Advances.

UK provider information: 365 Finance, Worldpay Business Finance, Teya Cash Advance, Square Cash Advance, PayPal Working Capital, Stripe Capital and Liberis.

Regulatory guidance: Financial Conduct Authority — Supporting SME Access to Finance, September 2026.

Information reviewed 12 October 2026. Funding criteria, costs, programme availability and contractual terms may change. All numerical business examples are illustrative rather than actual financing quotations.

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