Money against your card takings.
Repaid as a share of what you take, not a fixed monthly payment that doesn’t care what kind of week you had. We arrange it alongside the card machine, through lenders we actually deal with.
Funding that follows your trade.
Assessed on what goes through the terminal, not just a credit file.
A share of each card sale, so a quiet week costs you less than a busy one.
Nothing compounds, and there is no charge for clearing it early.
Same person, same visit. We already see how the card machine performs.
Find out how much you could be eligible for
Business cash in days rather than weeks, repaid automatically through a fixed percentage of your future card sales.
Apply nowfunded up to: £16,250*
*This is an indication, not an offer or a quotation. Apply and we will come back with a figure based on your actual statements, and the full terms.
Repayment, 15% of the day’s card sales
Pay back automatically through your sales.
No interest. A fixed fee and a share are agreed up front, and that share then comes out of card takings as they settle. A quiet Monday costs you less than a busy Saturday.
- ›Money in days, not weeks
- ›One cost, agreed before you accept
- ›No charge for clearing it early
How does it work?
- 01Agree a share
You and the lender agree what slice of each card sale goes towards the advance. It is a percentage, not a fixed monthly figure.
- 02Trade as normal
Nothing changes at the counter. Customers pay the way they always did and the terminal behaves exactly as before.
- 03Repay automatically
The share comes out of card takings as they settle. A quiet week costs you less than a busy one, which is the entire point.
- 04It stops when it is clear
There is no final balloon payment and no penalty for getting there early. When the agreed amount is repaid, the deductions stop.
We arrange it. They fund it.
Atlas is not the lender. We work with two, put your figures to whichever suits, and stay involved once it is in place.
Advances against card turnover, repaid as a share of takings. We have placed business with them and deal with the same people each time.
Revenue-based finance that plugs into the payment provider, so the repayment follows settlement rather than a direct debit date.
Businesses that let us use their name.
Payments work rather than funding, and real either way. Every photograph on this site was taken on the day, and published with the owner’s permission.
If you need working capital for something that will not generate takings — a tax bill, paying down another debt, covering a shortfall — an advance against card sales is usually the expensive way to do it. It earns its keep on a refit, a second site, equipment or stock before a season, where the money comes back through the till. If the numbers do not work, we will say so.
Frequently asked questions.
How much can I get?
It is based on what goes through your card machine rather than a credit score, so monthly card turnover is the number that matters most. Send a few months of statements and we will come back with a figure.
Does it affect my card machine?
No. The terminal, the rates and the way you take payment all stay as they are. The repayment happens on the settlement side.
What if I have been turned down by a bank?
Common, and not necessarily a problem here. Lending against trading history is a different assessment to lending against a credit file.
How quickly does it move?
Days rather than weeks once statements are in, assuming nothing unusual turns up.
Is there a penalty for repaying early?
Not with the lenders we use. The amount agreed is the amount repaid, whether that takes four months or nine.
Who actually lends the money?
365 Finance or YouLend, depending on which fits. Atlas arranges it and stays involved afterwards; the agreement is between you and the lender.
Send us three months of statements.
We will come back with a figure, tell you what it costs, and say plainly if we think you would be better off not taking it.
Apply now