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Credit & debit card factoring

Funds are advanced against future credit card receipts and help improve cashflow. Great for seasonal businesses.

This relatively new form of unsecured funding, which is also known as Merchant Card Advance, allows a business to borrow funds against future PDQ receipts. Repayment is arranged as a percentage of daily credit and debit card takings, with no major impact on cash-flow.

We have a variety of lenders, each with their own particular field of expertise and preferred business types and categories. The most common industries using such facilities include MOT Service Stations, Hotels, Hair and Beauty Salons, Spas, Dental Practices, Construction, Restaurants, Off Licences and Retail Businesses.

Loans from £3k up to £500k are available to fund growing businesses, and can be arranged within a week.

An applicant company needs to have been operating for a minimum of 9 months. Generally no financial statements are needed, and a less than perfect credit history is acceptable. There are no application fees payable, and often only very basic information is required.

What is credit card and debit card factoring?

It’s a loan secured on the future sales of your business, repayments are based on a fixed percentage of your takings via your debit and credit card sales when sales are down the amount you repay off the loan reduces however when sales are good your loan is repaid quicker

Who can get credit card and debit card factoring?

Any business who is able to take payment via a credit card debit card machine

Can I borrow in a limited company?

Yes the majority of clients we help are Limited companies, however, the facility is open to sole traders and partnerships as well.

What rates should I expect to pay?

Rates are bespoke and are dependant on loan amount, term of loan and turnover of the business

Criteria overview

  • Cheapest rates guaranteed
  • Up to 36 months
  • Loans from £100K to 100 Million
  • Any location
  • Options with no exit fees
  • Residential commercial mixed use

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Positive Commercial Finance is a trading name of Business Financial Solutions Limited. Registered in England & Wales 06451075. Registered office address Warth Business Centre, Warth Road, Bury BL9 9TB. Authorised and regulated by the Financial Conduct Authority (716012). Full members of the NACBF and FIBA. ICO registration reference Z1196910.