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A merchant cash advance is a form of business funding based on your future card sales. Instead of fixed monthly repayments, a small percentage of your daily card takings repays the advance automatically. Repayments flex with your revenue — making it well suited to seasonal or hospitality businesses.

Through PurePay, many businesses receive a funding decision within 24–48 hours, with funds typically arriving within 3–7 working days. Merchant cash advances can sometimes complete faster if you already have a card payment history to draw from.

Not always. Merchant cash advances and many short-term business loans are assessed primarily on monthly card turnover and trading history rather than personal credit scores. PurePay compares options across multiple lenders to find what suits your situation.

Through PurePay's lending panel, UK businesses can access funding from £5,000 to £500,000+. The amount depends on your monthly turnover, how long you've been trading, and the type of funding. We present options with full transparency so you can make an informed decision.

Yes — PurePay's comparison and brokerage service costs businesses nothing. We're paid by the lender when a deal completes, which means you get an expert in your corner without paying broker fees.

PurePay compares merchant cash advances, unsecured business loans, secured business loans, revolving credit facilities, and asset finance. We present the options most suited to your business type, turnover, and what the funding is for.