Borrow

Merchant Cash Advance

Access Tomorrow's Card Sales Today

Get up to funding in as little as 24 hours—repay automatically via a small percentage of daily card takings.

Speak to Our TeamLearn How It Works
Access Tomorrow's Card Sales Today

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Flexible funding that moves with your business

Get quick access to working capital with repayments that automatically adjust to your daily sales performance—no fixed monthly payments.

No Fixed Repayments

Pay more when sales are strong, less when they're not. Repayments automatically flex with your business performance.

Easy to Set Up

Connect your card processor—no collateral or credit scores needed, just a strong sales record to get started.

Get Access to Funding You Need Quickly

Once approved, advances can be funded often within 24-48 hours, giving you immediate working capital.

Get funded in 3 simple steps

From connecting your POS system to receiving funds, the entire process is designed for speed and simplicity.

1.) Connect POS

Link your merchant acquirer to verify your card sales history and processing volume.

2.) Receive Advance

Get up to 150% of your average monthly card turnover as immediate working capital.

3.) Auto-Repay

The lender collects a fixed percentage of daily settlements until paid off. Typically takes 6-18 months.

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Stable is powered by Spark Finance, authorised by the UK Financial Conduct Authority (FRN 958123). Stable is an introducing credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over. Guarantees and indemnities may be required. Stable may receive commission from lenders which may vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Hospitality Business

"We covered a seasonal stock surge without touching our overdraft."

James K., Brew & Bean Cafés

Owner

Factor rates ranging from 1.1 to 1.5 · Typical Payback 6-18 Months

Transparent pricing with competitive factor rates. Repayments automatically adjust to your daily sales performance.

Get Advance Offer

Frequently Asked Questions

Keeping you
in the loop.

Automatically as a fixed percentage of your daily card sales. Repayments flex with your business performance—pay more when sales are strong, less when they're not.

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