Merchant Cash Advance for UK Businesses

Fast, flexible funding based on your card takings — no fixed repayments, no personal guarantees

Check your eligibility Download our guide

How it works

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Apply

Existing Monek clients only. Complete our simple online application in minutes.

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We assess

Based on your actual card processing history with Monek — we already know your business.

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Receive funds

Up to 1 month of your card processing volume, in your account within days.

Is it right for you?

Good fit

✓Seasonal businesses needing working capital
✓Retail and hospitality businesses
✓Growing businesses with variable income
✓Existing Monek card processing clients
✓Need funds quickly (24–48 hours)

Not suitable

✕New businesses (under 6 months trading)
✕Non-Monek clients
✕Need more than 1 month card volume
✕Prefer fixed repayment schedules
✕Low card processing volumes

Key features

Flexible repayments

Busy months pay more, quiet months pay less — automatically flexes with your card takings.

No fixed terms

No fixed monthly repayments. Repayment fees based on your actual card processing volume.

Fast decisions

Typically within 24 hours. We already know your processing history with Monek.

Based on YOUR history

Assessment based on your real card processing data with Monek — not credit scores.

No personal guarantee

No personal guarantee required. Advance secured against future card takings.

FCA regulated

Monek is FCA Authorised (FRN 920628) and PCI DSS Level 1 certified.

Frequently asked questions

Who is eligible?

Only existing Monek card processing clients with at least 6 months of processing history. We assess based on your actual card volumes with us.

How much can I borrow?

Up to the equivalent of 1 month of your normal card processing volume. For example, if you process £30,000/month, you could access up to £30,000.

How do repayments work?

We automatically take a small percentage of your daily card takings. Busy days pay more, quiet days pay less. There are no fixed monthly repayments.

What does it cost?

Costs vary depending on your processing history and the amount advanced. We'll provide a clear quote before you commit. No hidden fees.

How do I apply?

Contact your Monek account manager or call us on 0333 0111 555. We'll review your processing history and typically provide a decision within 24 hours.

Ready to apply?

Speak to your account manager or contact our team to check your eligibility

Check eligibility