Merchant Cash Advances in London

Name: Merchant Cash Advances in London
Brand: AptPay
Rating: 5 (12 reviews)

A merchant cash advance offers London businesses an alternative type of lending, away from the traditional business loan. Merchant cash advances, also known as business cash advances, allow organisations to access immediate funding without the stress of fixed, monthly payments.

At AptPay, we can provide you with additional funds when you need them. With fast approvals of all merchant cash advance applications, we can have money in your account within 3 hours of approval.

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Merchant Cash Advances For London Businesses

If your business needs urgent capital to help accelerate your growth or support you through a quiet season, we offer flexible merchant cash advances for business across London. Rather than applying for a traditional business loan from a bank or alternative provider, you can access additional fees with ease.

A business cash advance allows your repayments to be calculated based on your monthly income. So, if you experience a disappointing month, you won’t need to stress about paying back your unachievable monthly loan repayment. Instead, your payment will reduce proportionately to your takings.

You no longer need to lose sleep over your finance repayments.

How does a London Business Use A Merchant Cash Advance?

With the help of a merchant cash advance, your London business is able to manage its cash flow with ease. For example, when footfall takes a dip between peak seasons, a business cash advance can support your business through. There’s no need to toy with the difficult decision of letting members of staff go to meet your next loan repayment. With a merchant cash advance, your repayments will fluctuate with your monthly profit.

    
 
 
       Posted on Google  
   
   Saman Hassan 
 6 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I managed to secure funding for my business through Mohammed on monthly repayment terms and the service was excellent from start to finish. Mohammed was professional, responsive and genuinely helpful throughout the whole process. He took the time to understand what I needed, kept me informed at every stage and made everything feel straightforward and stress free. What impressed me most was how approachable and committed he was. Nothing seemed too much trouble and he always came back to me promptly whenever I had a question. It is refreshing to deal with someone who combines professionalism with a genuinely caring approach. I am very grateful for his support and would not hesitate to recommend him to anyone looking for business finance. Thank you, Mohammed, for all your help. It was a pleasure working with you.
  
 
      Posted on Google  
   
   Anita Kaur 
 26 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. I’m a small business owner and needed funds to grow the company. And with divine intervention, I came across Mohammad who saved the day! He was calm, reassuring and extremely helpful and knowledgeable. Mohammad was highly professional and put me at ease straight away. Made the whole process simple and straightforward which I really appreciated. Within those few hours of our initial conversation, Mohammad managed to secure me a loan extremely quickly. I can’t thank him enough for his dedication and will 100% be returning to him in the future. Thank you Mohammad! ⭐️
  
 
      Posted on Google  
   
   JJ_n_TY Chitiyo 
 22 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Was recently recommended to Mohammad by a friend for a business loan and the experience was excellent. Very quick responses, efficient service and everything moved much faster than expected. He managed to arrange multiple offers which gave me a choice to pick the best fit for my business needs. The whole process felt straightforward and hassle-free. Reliable service and definitely someone I’d recommend to others. Regards, GOLDEN SQUARE HEALTHCARE LIMITED
  
 
      Posted on Google  
   
   Brenda Chikosha 
 25 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My first time using their service. Mohammed has been great in getting a business loan for us when no one else could. We’re so grateful. Very quick process. Will use him again 🙏.
  
 
      Posted on Google  
   
   Caphas Chisangowerota 
 22 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Big thanks to AptPay and Mohammad for helping us secure funding for our care home. We were struggling with delayed council payments while needing to pay staff on time. After trying many lenders without success, they stepped in and delivered quickly. We ended up taking a short-term loan, which actually worked perfectly for our needs. Great service, fast response, and very understanding of real business challenges.
  
 
      Posted on Google  
   
   MUHAMMAD ZAMAN WARRAICH 
 17 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. My business is based in Dublin, Ireland, and Mohammad helped me secure a business loan from London. The whole process was smooth and easier than I expected. He took the time to understand my situation, explained everything clearly, and kept me updated throughout. I always felt like I knew what was going on, which made a big difference. Thanks to his support, I was able to get the funding I needed and keep my business moving forward. I’d definitely recommend him to anyone looking for reliable help with business finance.
  
 
      Posted on Google  
   
   Robin Sharma 
 14 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered. Mohammad came through for us at exactly the right time. He helped arrange £300K in funding, and honestly, that gave us the push and stability we needed to keep things moving forward. What stood out was how easy he was to deal with — no complications, no pressure, just clear communication and someone who actually understood what we needed. We’re genuinely thankful for his support. It made a real difference to us and the business.
  
 
      Posted on Google  
   
   isaac ogundiran 
 10 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. I run a wholesale business based in Glasgow, regularly buying stock in bulk from overseas, so cash flow is always key. I was introduced to Mohammad through a friend’s recommendation, and I’m really glad I reached out. He acted quickly and made the whole process smooth and straightforward. What stood out most is that he’s available 7 days a week it genuinely feels like he’s working alongside me, his customer service s is top notch 👌 Really appreciate the support. He helped me secure the business loan I needed without stress. Highly recommended.
  
 
      Posted on Google  
   
   Rebwar 
 24 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Needed funding. Mohammad delivered. Business advance secured. Excellent service. Highly recommended.

Applying For A Merchant Cash Advance in London

Applying for your own merchant cash advance couldn’t be simpler. All you need to do is get in touch with our approachable team. They will put you in touch with one of our financial experts who will talk you through some business-specific information and how our business cash advances work.

With some simple information, they will be able to assess your business’s eligibility and give you an indication of how much you could borrow. If you are happy with all the information you receive, our team will arrange a meeting with the business owner, ensuring you have all the necessary details about your merchant cash advance.

The estimated amount that you can borrow can exceed 100% of a business’s card transactions on an average day. Once approved, this money will be in your bank account within hours (subject to availability).

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Fast Business Funding, No Delays

We prioritise speed and simplicity in our funding process. Our goal is to help you secure financing without jumping through hoops.

Same-Day Decisions: Get approved the same day you apply.
3-Hour Disbursement: Access your funds as quickly as three hours after approval.

Whether you’re managing a time-sensitive issue or investing in growth, we’ve got the solution for you.

Is Your London Business Eligible For A Merchant Cash Advance?

Unlike bank loans which require lengthy application forms and processing periods, your London business’s eligibility can be determined within 24 hours. When you speak to our experts, they will be able to decide whether or not to approve your business based on the following information:

Average Daily Card Transactions Processed
Gross Annual Turnover

We don’t require business plans or any security. As a result, at AptPay, we have a 90% success rate in business cash advance approvals.

Merchant Cash Advances Vs Business Loans

If you are looking for additional capital for your business, the benefits of a merchant cash advance far outweigh those of a traditional business loan. Business loans typically require a lengthy approval process that includes mandatory security requirements. It can take weeks for your business to be approved, let alone for you to see the benefit of this money. Once you do receive the money, there are set repayments, admin charges and late fees to contend with.

However, in direct contrast, a business cash advance offers a number of benefits, including:

A Fast approval process, we endeavour to approve your application the same day
Repayments that fluctuate with your monthly income
Flexible period to make the repayments
No additional fees for admin or late payments
See the money in your account in as little as 3 hours (subject to availability)

Choosing The Right Lending For You

It is important when you are considering any form of additional funding that you understand and can meet the terms of the loan. Our merchant cash advance is considered ‘unsecured’ due to the fact that we don’t require any tangible security as a traditional bank would. Therefore, we are able to process you with additional capital in a much shorter period of time, allowing you to balance your cash flow with ease.

Contact Apt Pay Today

There’s no reason to delay, contact our team today to start your merchant cash advance approval process. Call us on 020 3103 0022 or, feel free to send an email at info@aptpayment.co.uk to schedule a meeting.

FAQ

What is a merchant cash advance?

A merchant cash advance (business cash advance) is an alternative type of funding that allows London businesses flexibility with when and how much they repay each month.

How does a merchant cash advance loan work?

Instead of paying a fixed amount each month, your repayments are proportionate to each month’s processed debit and credit card payments. As this percentage will mirror your business’s peaks and troughs, the stress of borrowing money is significantly reduced.

How does the application process work for business cash advances?

At AptPay, the process couldn’t be easier. All our financial experts require is your average monthly income from processed card transactions and your gross annual income. From these fingers, they will be able to assess your eligibility and, if successful, give you an estimate of how much we can lend your London business.

What requirements does my business need to meet to be eligible for a merchant cash advance?

As long as your London business has been trading with a POS card machine system, or equivalent, for 6 months or more, meeting our minimum turnover threshold of around £5000 per month. If you meet these requirements and do not currently have another business cash advance, get in touch with us today.

Are there any negatives to a business cash advance?

The only downside to a merchant cash advance is that the total quantity you can borrow can be lower than a business loan would offer. As estimates are based on card transactions, your borrowing will be capped on your expected monthly income. However, it can be possible to borrow more than 100% more than your transactions. Our experts will be able to give you a more appropriate quote in relation to your business.

Is there a limit on how much I can borrow through AptPay’s merchant cash advances?

How much you can borrow through our merchant cash advances is dependent on your monthly card transactions. Although, it is possible to borrow 100% more.

How does a merchant cash advance vary from traditional bank loans?

A merchant cash advance is a form of ‘unsecured’ financial lending as it does not require tangible security. Consequently, this type of additional financing can be approved and in your bank account in a matter of days instead of weeks. And, when it comes to repayments, these are flexible in relation to your monthly income, so if you have a quiet month this will be reflected.

How do I repay my merchant cash advance?

When you get paid by your customers or clients, you pay back a proportion of your merchant cash advance. Your percentage will be arranged from your average monthly takings at the time you apply.

How long do I have to repay my business cash advance?

You can back the loan as fast or slow as you are able, depending on the terms set out at the beginning of the agreement.

Can I repay my merchant cash advance in one go?

Of course, there are no additional fees for early repayments. However, it is worth noting that this will not save you any money. Your factor rate is set at the beginning of the agreement and paid regardless of how fast or slow the money is paid back.

Will my credit score be affected by my merchant cash advance?

No, your credit score is not directly affected by a merchant cash advance.

Do I need a good credit score to have a successful merchant cash advance application?

A good credit score is not a requirement for a merchant cash advance. Applications are assessed based on monthly credit card transactions and your London business’s gross annual income.

Do I have to provide security to receive funding through a merchant cash advance?

At AptPay, our merchant cash advances do not require any security. How much you can borrow is decided based on your average monthly income from card transactions in relation to your annual gross income.