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Frequently Asked Questions

Q: How can United Kapital help my business?

A: United Kapital provides an innovative way of providing working capital for UK small businesses, as an alternative to traditional bank lending. We look at an asset you may not realise you have, your business's future credit card and debit card sales from its customers. Thousands of merchants have benefitted from a cash advance, using the funds to refurbish, expand or simply to ease cashflow.

Q: How easy is it to get approved and funded by United Kapital?

A: 90% of qualified applicants who meet our basic requirements get approved. Our dedicated account managers will guide you through the full process from qualification, through the paperwork requirements right through to receiving the funds.

Q: How do I know if I qualify?

A: There are three questions that need to be answered;
  • Your business must be operating and process at least £3,500/month in credit / debit card sales from its customers.
  • Your business must have at least one year remaining on your lease, or own your business premises
  • You must have no CCJs or open bankruptcies against your business

Q: How soon can I receive funds?

A: We can typically provide funding in 14 business days or less. The speed of receiving funds can depend on how quickly we receive applications and supporting information. The quicker you send them back, the quicker we can process your funds.

Q: How much money can my business qualify for?

A: The amount we fund is dependent on your business's recent credit and debit card turnover. We can advance between £3,500 and £150,000.

Q: How do I receive the funding?

A:Your cash advance will be automatically transferred to your business bank account within 14 working days.

Q: Are there online customer statements available from United Kapital?

A: Yes, United Kapital customers can securely access online statements from us through our website.

Q: Can I renew / receive additional funds later on?

A: Yes. You must be in good standing, and a certain percentage of the first advance must be paid before you renew. 85% of our customers take advantage of accessing ongoing funds.

Q: Will I get a monthly statement from United Kapital?

A: Yes, you will receive a monthly statement from us. You can also view your daily statements online by logging into a private and secure area of the United Kapital Website.

"The merchant cash advance has transformed my business and I firmly believe that all small businesses would benefit greatly from the product. The service I received from United Kapital was exceptional, and as such, I would recommend United Kapital's cash advance without hesitation."

Jennifer Allen,

Cutting Crewe