03 · Business Funding
Funding that moves with your takings, not against them.
A merchant cash advance repaid as a small share of card takings.
The Detail
Business Funding, Explained
Hospitality and retail income is uneven. A fixed monthly repayment set in a good month becomes a problem in a quiet one.
A merchant cash advance is repaid as a small agreed percentage of your card takings. Busy week, you repay more. Quiet week, you repay less. There is no fixed monthly repayment date to worry about.
What's Included
- Advance based on your card turnover and trading history
- Repaid automatically as a percentage of card takings
- No fixed monthly repayments
- One clear total cost agreed at the start
- Typically used for refits, kit, stock or seasonal cash flow
- A straight answer on whether it suits you, including when it does not
Who It's For
- Venues funding a refit or new kitchen equipment
- Shops buying stock ahead of a busy season
- Salons and barbers fitting out extra chairs or rooms
- Businesses with steady card takings and uneven months
Business funding is subject to eligibility and provided through our funding partners. Terms depend on your card turnover and trading history.
Common Questions
Three Quick Answers
What do you need from me?
Recent card takings and some basic trading history. That is usually enough to tell you what is realistic.
Do I have to move my card payments to Atlas?
Funding is assessed on your card takings, so it works most neatly alongside our payments. We will tell you plainly what applies in your case.
What if trade drops off?
You repay a percentage of what you take, so a slower month means a smaller repayment. That is the point of it.
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