⏳ Coming soon. Register your interest

Merchant Cash Advance for UK Businesses

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

How it will work

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Apply

When we launch, existing Monek clients can apply in about 5 minutes.

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We assess

We pull your card processing history. Underwriting on real numbers, not credit scores.

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Receive funds

Up to a month's card volume, in your account within days.

Good fit

Not suitable

Flexible repayments

Busy month? You pay more. Quiet month? You pay less. Tracks your actual card takings.

No fixed terms

No fixed monthly payments. Repayments scale with your card volume.

Fast decisions

Usually within 24 hours. Your processing history is already on file.

Based on YOUR history

Real card processing data, not credit scores.

No personal guarantee

No personal guarantee. The advance is secured against future card takings, not your house.

FCA regulated

FCA Authorised (FRN 920628). PCI DSS Level 1.

When will Merchant Cash Advance be available?

We're putting the finishing touches to it now. Register your interest above and we'll let you know as soon as it launches.

Who will be eligible?

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

How much will I be able to 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 will repayments work?

We'll automatically take a small percentage of your daily card takings. Busy days pay more, quiet days pay less. No fixed monthly repayments.

What will it cost?

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

Be first in line when we launch. We'll contact you with more details.