How Our Merchant Cash Advance Works

United Kapital help small to medium sized businesses raise money to invest in projects such as refurbishments, stock purchase, expansion to premises and general cash flow issues.

United Kapital advance money based on your monthly credit and debit card sales you take from your customers and can typically advance up to 75% of your monthly average.

For example; If you process an average of £20,000 a month in credit and debit card takings from your customers we could advance you up to £15,000 for you to invest in your business.

United Kapital get repaid as you take payments from your customers. We take a small agreed percentage (between 6-18%) of each future credit and debit card sale you take from your customers.

For example; If you agree for United Kapital to take 15% of your future transactions and a customer makes a payment of £100 on their credit or debit card, United Kapital would be paid £15 and you would receive £85. This percentage would be taken from each transaction until the advance is repaid.

• Refurbishment
• Stock Purchase
• New Equipment
• Expansion Plans
• Cash flow

Do I qualify to apply?

• If you have had a credit or debit card machine for more than 60 days and process more than £3,500 a month in credit and debit card sales.
• If you have 12 months left on your lease OR have a mortgage OR own your premises.
• If you are up to date on your lease or mortgage. NOTE! If you are behind on your payments we can still help as long as you are on a payment plan to catch up with the repayments you have missed.
• No open CCJ or bankruptcies. NOTE! If you have these you can apply if they are satisfied.