business funding
Fast, Flexible Funding for UK Businesses
Apply once and see multiple offers in 24-48 hours. Repay as a percentage of your card sales, so payments flex with your takings. No credit score impact. No pressure.
business funding
How much funding can I get based on my card takings?
Most businesses can access around 80% of their average monthly card revenue, though this can be higher or lower. The best way to know your exact amount is to apply. Applying does not affect your credit score & repayments flex automatically as a small percentage of each card sale, with no fixed monthly bills.
who it's for
Who This Is Ideally Designed For
This funding is ideal for two key needs, businesses looking to ease cashflow pressure, or those looking to funding growth - with flexible repayments based on card sales.
Opportunity seekers focused on growth
Business funding helps UK businesses act fast on growth - from refurbishing or expanding, to boosting stock or launching new campaigns, without disrupting day-to-day cashflow. Many owners also use it strategically, as the fixed fee can be offset against corporation tax.
Those feeling a cashflow
pinch
Business funding provides breathing space when costs hit at once, such as VAT, wages, supplier bills, or equipment replacement. Repayments flex with card sales, so there are no fixed monthly repayments, and applying does not affect your credit score.
see how it works
how business funding works?
See the full process - from approval to repayment - and get clear answers to the questions most business owners ask before applying.
Funding based on turnover
Funding that fits your business, your offers are based on your actual card turnover. Apply once, receive multiple offers, and see how much you could unlock. Typically up to 80% of your average monthly sales.
90% Approval Rate
Get a “yes” where others say no.
Because decisions are based on your turnover, not your credit file, 9 out of 10 businesses are approved for funding - even those declined elsewhere.
No Effect on Credit Score
Check your eligibility risk-free.
Seeing what you qualify for won’t affect your credit rating. As it based on turnover, not credit score. Apply confidently and choose only once you’ve seen your offers.
Tax-Deductible & Clear Fees
Know the cost upfront and your fixed fee is agreed before you accept.
The fixed fee can also be used as a deductible against your corporation tax, reducing your tax bill for profitable businesses. Which is why savvy businesses owners use this to fund growth.
Repay as You Earn
Pay a small share of each sale. An agreed percentage of your daily card sales automatically goes toward repayment - higher on busy days, lower on quiet ones.
So no APR, expensive interest rates, lump sums, or monthly fee to stress about.
Apply in minutes
No business plans to submit. No paperwork.
Apply in minutes online. Then connect via secure open banking or upload recent statements - that’s it. This is all you need to do to get your offers.
Fast funding process
From application, to money in the bank, typically within 3-5 days.
Apply once, receive your multiple offers within 24-48 hours and see funds hit your account shortly after approval.
Renewals & Top-Ups
Keep cash flowing all year.
After you’ve repaid, you can top up or renew without reapplying - ideal for repeat growth or seasonal trading peaks.
funding options
two funding routes. one application
Most businesses can access up to 80% of their average monthly card revenue. Payments flex automatically. A small percentage of each card sale goes towards your balance. No fixed monthly bills. Funding that fits your cash flow.
Business Funding
3+ months trading history
One clear offer
Funding typically 80% of monthly card turnover
Annual card turnover £15k+
No credit score impact
Fixed fee deductible against corporation tax
Repay via % of daily card sales
Renewals available without re-applying
Flex Funding
12+ months trading history
One initial offer + follow up offer
Initial amount £8k - £50k, dependant on turnover
Follow up amount typically 2 x monthly card turnover
Follow-up can act as a safety net, use only when needed
Annual card turnover £100k - £900k
No credit score impact
Fixed fee deductible against corporation tax
Repay via % of daily card sales
How does repayment work when it’s based on my card sales?
Repayments automatically adjust to your daily card sales so you pay more on busy days and less on slower days. This keeps cash flow steady and removes the pressure of fixed monthly payments.
How to start
flexible funding in just a few clicks away
Submit Application
Apply online. Fast, secure, and based on your card turnover.
Receive Offers
Within 24-48 hours, showing amount, fees & all T&C's.
Review & Decide
Review offers. No credit score impact. Accept or decline.
Sign & Receive Funds
Sign digitally and receive funds within 24 hours.
Make Payments
Repay as a small % of card machine sales.
case studies
how smart funding changes everything
We’ve helped UK businesses tackle cashflow gaps, seize growth, and scale fast - from £1,000 boosts that kept owners trading to £500,000 growth funds powering major expansion.
£25,000 saved on payroll
£25,000 saved payroll and kept the restaurant running.
A sudden PAYE larger than expected bill threatened staff payments - quick funding covered the gap, avoided disruption and kept service running smoothly.
Growth plans funded
Growth plans with funding added 3 vans, revenue soared.
£40,000 in Business Funding allowed the takeaway to expand into mobile catering, reaching new crowds and tripling weekend revenue.
£210,000 unlocked for stock
£210,000 unlocked bulk buying power before Qtr4.
Funding allowed advance stock purchases with better margins, ahead of the peak season - doubling sales and strengthening supplier relationships.
About us
Award-Winning Business. Power When You Need It.
Nationally recognised for helping businesses grow stronger, protect cashflow and access the right support at the right time.
Award winning, £261m+ Secured
Proven experience helping businesses improve stability, unlock growth and move forward with confidence.
Award-Winning Expertise
Recognised for market-leading results across funding, trusted by UK businesses.
Better Deals and Solutions
We work directly with leading providers to unlock bespoke options, not off-the-shelf products – faster and smarter..
Frequently asked questions
Questions & Answers
How much business funding can I get?
You can access up to 80% of your average monthly card revenue. Typically between £1,000 and £1 million. Approval is based on turnover and trading performance - not your credit score.
How quickly can I access the funds?
Most businesses receive an offer within 24–48 hours.
Once signed, funds usually arrive within 1-3 working days.
Will applying affect my credit score?
No. Applying does not impact your personal credit score.
Approval is based on business turnover, not your credit file.
How does repayment work?
Repayments are flexible and linked to your daily card sales.
Repayments are taken automatically each day - more on busy days, less on quieter ones. There are no fixed monthly payments or large end-of-month bills.
Is there interest or APR?
No as this is not a loan, its fixed fee business funding. So you pay a single fixed fee, agreed upfront - no APR, hidden charges, or variable rates.
Is the fee tax-deductible?
Yes. The fixed fee can be used as a deduction against corporation tax, making it a tax-efficient way to fund growth.
What do I need to apply?
Apply in minutes online. Connect via open banking or upload recent statements - no business plans or paperwork required.
Get Your Funding Offers
Apply today to receive your Business Funding offers.
No credit impact. No risk. No obligation. Just clear options.
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© Shout-360. Information subject to change and confirmed on enquiry. Funding and payment services are provided by regulated third-party providers. Shout-360 acts as a facilitator. Terms apply.