Cash Advance

Cash Advance is our flexible funding service. Many businesses have used our Cash Advance to refresh, expand or cover unforeseen expenses. We can loan businesses money on a fair and flexible repayment plan. Whether you’re using the money to take your business to the next step or to help during hard times, we’ve got you covered.

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Do I qualify for Cash Advance?

You will qualify for Cash Advance if you have been accepting card payments for at least six months. Your business will also need to take an average of £3500 per month.


  • Pay back as you earn

With UTP’s Cash Advance your business will repay in proportion to your earnings. There are no set repayment deadlines. Your business will pay back a set percentage of your credit/debit card takings. So, if one day your business has a slow day and takes less money, you will repay us a smaller amount.

  • We offer funding between £3500 – £150,000

Your business can borrow up to 100% of your monthly turnover, providing it’s in the price range above.

  • Super-fast application time

We usually approve your application and deliver your funding within 14 business days. The speed of the process depends on how quickly we receive the supporting information.

  • Clear pricing

There is a one-off fee for the advance. We will not charge you any surprising fees.

  • Keep your current system

Our Split Processing Systems mean you will not have to change your current system.

What is a Cash Advance?

Cash Advance is an alternative to businesses getting a loan from the bank. We offer businesses funding to expand, refurbish or to cover unforeseen costs. Our Cash Advance gives you more flexibility and control over repayments.

Should I speak to an advisor first?

When it comes to finance, speaking to an advisor before making big decisions is sensible. Registered advisors will be able to walk you through your options and help you make the best decision.

Do I need to prove collateral?

Unlike a bank loan, you will not be required to provide collateral to get our Cash Advance.

Is Cash Advance for me?

Cash Advance is for small and medium-sized businesses that need a fast and flexible loaning solution. Your business must take card payments as your primary tender.

UTP means fast. Payment in hours not days. Detailed transaction reporting. Simple bank reconciliation. Greater fraud protection.

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New to Card Payments?

How does it all work? What else do I need to process credit cards? Our helpful Beginners Guide is here to help.

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Switching Suppliers?

Is your business paying too much for your card processing? Switch to our card processing and you save 40%!

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Are you ready to take the next step?